68% of Americans Are Excited for Pumpkin Spice Season, but Consumers Pay Up to 75% More for Products

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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.

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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 15-Jul-26, LendingTree Personal Loan consumers were seeing match rates as low as 3.71% (on a $75000.00 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:

*N/A indicates that rate information is not available for that loan scenario due to limited offer data for the relevant time period or other data constraints.

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:

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.

The chart below shows the interest rate, APR and the monthly payments by term and loan type:

*N/A indicates that rate information is not available for that loan scenario due to limited offer data for the relevant time period or other data constraints.

Home Equity Loans and Home Equity Lines of Credit are both secured by your home and generally require available equity in the property. If you become delinquent on your mortgage or home equity payments, you could lose your home through foreclosure. Before selecting either product, carefully consider your ability to repay the additional debt and review the interest rates, points, fees, repayment terms, and other conditions associated with the loan. Qualification depends on lender underwriting criteria, available home equity, and your ability to repay, and lenders may review factors such as your credit score, credit history, employment history, debt, income, and overall financial profile. Some lenders may also require that you maintain an account with them or meet minimum equity requirements. Generally, home equity loans are not available for homes currently listed for sale. Homes previously listed for sale may be required to remain off the market for at least 90 days prior to applying for a home equity loan or HELOC. Consumers should consult with a financial advisor or other professional before making financial decisions.

Home Equity Loans generally provide borrowers with a lump-sum loan amount secured by the equity in their home and typically feature a fixed interest rate and consistent monthly payments over the repayment term. Interest paid on a Home Equity Loan may be tax deductible; however, consumers should consult with a financial advisor or tax professional regarding their individual circumstances. Consumers should also ask lenders about any applicable prepayment penalties.

Home Equity Lines of Credit (HELOC) are revolving lines of credit secured by the equity in your home that allow borrowers to access funds during a defined draw period, such as 10 years. During the draw period, borrowers may draw funds as needed, repay amounts owed, and draw additional funds again, similar to the use of a credit card. HELOCs may be a suitable option for borrowers who do not need all available funds at one time. HELOCs generally have variable interest rates tied to a predefined index, such as the U.S. Prime Rate, which means monthly payment amounts may fluctuate over time. Repayment terms vary by lender and may include both a draw period and a repayment period, such as a 30-year term that includes a 10-year draw period. For more information, see http://files.consumerfinance.gov/f/201204_CFPB_HELOC-brochure.pdf.

LendingTree does not warrant the accuracy or completeness of lender information and makes no representation as to the availability of any terms associated with these products. Consumers should ask each lender about the criteria required to qualify for each product. Rates and terms may change at any time before or after account opening and may vary based on factors including property type, loan amount, credit history, lien position, loan-to-value (LTV) ratio, debt-to-income (DTI) ratio, FICO score, and draw amount at closing, if applicable. Rates are subject to change daily without notice, and minimum line amounts may apply. All accounts are subject to individual lender approval.

LendingTree is not a debt relief provider or credit repair company and is not responsible for the services offered or provided by any Partner. LendingTree connects consumers with participating third-party providers (“Partners”) that may offer debt relief or credit repair services. Submitting your information to LendingTree does not guarantee that you will be matched with a Partner or that you qualify for any particular service or program. Partners are independent businesses that determine your eligibility, pricing, and the services they offer. Services may not be available in all states.

Results are not guaranteed. Outcomes of debt relief and credit repair services vary based on each consumer’s individual financial circumstances, credit profile, participation in the applicable program, and other factors. No provider of debt relief or credit repair services can guarantee the removal of information from your credit report, a specific credit score increase, or other outcome. Consumers should carefully review each Partner’s disclosures, terms, fees, and program details before enrolling in any service.

LendingTree may receive compensation from the Partners that appear on this site. This compensation may impact how and where Partners appear on this site, including for example, the order in which they appear or whether a Partner is “featured” on the site. Any fees for services that consumers may pay are paid directly to the applicable Partner, not to LendingTree.

Participating providers include Lexington Law: Oquirrh Mountain Law Group, P.C., d/b/a Lexington Law Firm, and Of Counsel Attorneys. Utah Office: 257 East 200 South, Suite 1000, Salt Lake City, Utah 84111. Arizona Office: 7501 East McCormick Parkway, Suite 125S, Scottsdale, Arizona 85258. https://www.lexingtonlaw.com.

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