148 Holiday Spending Statistics, From Valentine’s Day to New Year’s Eve

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

What portion of LendingTree’s services in connection with my loan request is free?

There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.

How does LendingTree get paid?

LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

The card offers that appear on this site are from companies from which LendingTree receives compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear). LendingTree does not include all card companies or all card offers available in the marketplace.

Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider’s terms and conditions to determine which card works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s discretion. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown. The “Credit Needed” information is provided by the Credit Card Providers and is not a guarantee of approval.

Any opinions, analyses, reviews or recommendations expressed in articles, marketing materials or otherwise are those of the author’s alone and/or LendingTree, and have not been reviewed, approved or otherwise endorsed by any Credit Card Provider.

See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the provider’s website.

Credit Card Balance Transfer Calculator

ASSUMPTIONS: The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.

A personal loan can offer funds relatively quickly. Once you qualify, you could have your funds within a few days to a week. A personal loan can have a fixed term and/or rate or a variable term and/or rate, which can have a fluctuating amount due and rate assessed. Be sure to speak with your loan officer about the actual term and rate for which you may qualify based on your credit history, ability to repay the loan, and other factors within the lender’s discretion. If your goal is to reduce debt by using a personal loan to assist in paying off high-interest-rate balances with one fixed-term payment, it may be important to obtain a personal loan with a fixed term and rate. Some lenders may require that you have an existing account for a prescribed period of time in order to qualify for certain personal loan rates or other terms. Lenders may charge an origination fee, which is generally around one percent of the loan amount. Fees and other loan terms are subject to each lender’s discretion. Be sure to ask about all fees, costs, and terms associated with each loan product. Generally, loan amounts from $1,000 to $50,000 are available through participating lenders on our network. Factors such as your location, credit history, credit score, and other aspects of your personal financial situation, as well as each individual lender’s approval and underwriting criteria can impact the loan amount, fees, rates, and other loan terms you are offered or receive. Ask your loan officer for details.

There is no guarantee that all users will receive a personal loan offer or quote on or through our network. Depending on your credit profile, including credit score and amount of existing debt, as well as other factors, you may not be eligible for a requested product and, instead, may be matched with or redirected to alternative options. For example, users with lower credit scores and greater amounts of debt may be presented with a debt settlement offering instead of, or in addition to, a personal loan offer or other requested product. Criteria are subject to change based on factors such as partners’ availability or selected criteria, among others. Any alternative option or loan offer, including loan amount or other loan terms, presented to you is not guaranteed. Approval or acceptance into any particular program, as well as any loan terms, are solely based on each partner’s criteria and discretion.

As of 16-Dec-25, LendingTree Personal Loan consumers were seeing match rates as low as 6.74% (on a $15000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Here are some examples of matches consumers were receiving during this time period:

*Rates and APR assume fixed rate for the term of the loan may not be available for all consumers, ask your lender for a fixed rate quote.

Here’s how it can work:*

Example 1: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected.

Example 2: A $25,000.00 secured personal loan financed for 60 months at an interest rate of 8.500% would yield an APR* (Annual Percentage Rate) of 8.496% and 59 monthly payments of $512.87 and 1 final payment of $513.24.

*These examples are for illustrative purposes only. The examples and match rates are not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are subject to change at any time without notice. Loans are not available in all states at all requested amounts. All loan applications are subject to credit approval by the lender(s) with whom you are matched. LendingTree, LLC does not offer, extend, or alter credit terms it merely connects you with lenders who can perform such activities. When LendingTree obtains your instruction to do so, LendingTree and its lender partners may review your credit history in connection with such activities, in compliance with the Fair Credit Reporting Act. Rate, terms and fees will be based on your individual credit history and underwritten by the lender NOT LendingTree. All Equal Credit Opportunity Act requirements are adhered to and each lender will provide you with all required disclosures. Request all fees, terms, and rate information from the participating lender as LendingTree, LLC does not receive any funds from you and only receives a “lead fee” from the lender.

The Personal Loan offers that appear on this site are from companies from which LendingTree receives compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). LendingTree does not include all Personal Loan companies or all types of offers available in the marketplace.

Personal Loan Providers determine the underwriting criteria necessary for approval, you should review each Provider’s terms and conditions to determine which loan works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s discretion. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown.

Home Equity Loan/Home Equity Line of Credit

If your home is worth more than you owe you may be able to borrower again that portion of available equity in your home. So which product is right for you? You should talk to your personal financial advisor before making any decisions. If you become delinquent on your payments to your mortgage and your home equity loan you could lose your home in a foreclosure proceeding. Think about the additional monthly payment and if you truly have an ability to repay it. Be honest with your lender and provide all the requested documents and fill out a formal application with the lender you choose, pay attention to points, fees, interest rates and terms associated with each product and find the one that suits your personal financial situation.

Home Equity Loans: Most Home Equity Loans have a fixed interest rate, so your monthly payment will be the same for the agreed upon term. The interest paid is generally tax deductible, but always find out for sure through your financial and/or tax advisor. Qualifying for a Home Equity Loan depends on the underwriting criteria set by the lender, the available equity in your home and your ability to repay the loan. Generally lenders review your credit score, credit history, employment history, debt, income and ability to repay. Some lenders require that you have an account with them and have a certain percentage of equity in your home to qualify. Ask them what up-front fees are assessed and if there are any pre-payment penalties.

Home Equity Line of Credit: A Home Equity Line of Credit (HELOC) is a type of loan also takes a security interest in your home but allows you to have a “draw period” so that you can access the line of credit (like a credit card) when you need it. HELOCs, generally, are variable rate loans which means the interest rate of repayment will be based on a predefined index rate. Terms for repayment can be 25 years with a period to draw off the amount for 10 years. Maybe you don’t need all the money at once and this way you can use what you need and begin repayments and draw again (during the prescribed time) when you need it again.

“As Low As Rates” as of 03-Jun-24:

The “As Low As Rate” of 6.49% APR is the lowest rate that most consumers at LendingTree were able to get. Some consumers received lower rates, and other consumers received higher rates, but a typical consumer can get rates as low as the above rates based on the typical loan amount sought.

LendingTree does not warrant lender information/data and makes no claim to the availability or terms associated with these products. Ask what criterion is required to qualify for each lender and for each product. Please weigh your options carefully. Rate and terms may change at any time before or after account opening and vary by property type, loan amount, credit history, lien position, and loan-to-value (LTV) ratio, debt-to-income (DTI) ratio, FICO score and draw amount at closing, if product is chosen. Generally, home equity loans are not available for homes currently for sale. Homes previously listed for sale must generally be off the market for at least ninety days prior to applying to lenders for a home equity loan or HELOC. Rates subject to change daily and minimum line amounts may apply. All accounts are subject to individual lender approval. See also http://files.consumerfinance.gov/f/201204_CFPB_HELOC-brochure.pdf

LendingTree offers consumers the option of working with our credit repair and debt relief (collectively, “Pre-Prime”) partners. The Pre-prime offers that appear on this site are from companies from which LendingTree receives compensation. This compensation may impact how and where the partners appear on this site (including for example, the order in which they appear or whether a partner is “featured” on the site).

Pre-prime partners may contact consumers via phone or email to enroll in the services. Any fees for the services will be paid by the consumers to the partner and not to LendingTree.

LendingTree Advertisement Disclosure:

LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.

For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details.

LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 02-Apr-25.
 

Advertised Terms and Information

• The information and disclosures above relate to advertised terms made by or through LendingTree.
• Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
• LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
• You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
• FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.