Advertising Disclosures

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term from actual offers posted to consumers by Network Lenders.
  • After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index (1.92% as of 13-Dec-20) plus a margin of n/a%.
  • The maximum periodic change in the interest rate is % with a maximum rate increase of % above the initial interest rate.
  • If the interest rate adjusted to the maximum rate (which could not occur until after the fifth year), the maximum monthly payment would be $1,609.94 for $225,000.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year after the initial period.
  • The chart below shows the interest rate, APR, and the initial monthly payment:

    Payment Examples

    Loan Amount Initial

    Interest Rate

    (for 60 months)

    APR Initial Monthly

    Payments

    (for 60 months)

    $225,000 2.00% 2.53% $831.64
  • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lenders.
  • The initial interest rate is fixed for 5 years. The disclosed APR is based on 0.00 discount point, 0.00% origination fee and 436.00 additional prepaid finance charges which will be due at closing. First adjusted payment will likely increase to approximately $1,239.35.
  • Interest rate and APR are variable and subject to increase
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes, insurance or Private Mortgage Insurance which will impact the monthly payment amount until required LTV is met.

The 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 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.

Loan amounts from 10000 up to 30000

Annual Percentage Rates (APR) – As Low As*

Loan Type Up to 36 Months APR% 48 Months APR% 60 Months APR%
New Car 3.49% 7.14% 3.90%
Used Car 3.49% 7.14% 3.90%
Refinance 2.39% 2.89% 2.64%

*Assumptions

  • APR is the Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual individual APR may vary based on your state of residence, applicable discounts, credit history, specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
  • Advertised rate based on actual matched rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
  • Not available in all states.
  • Rates are subject to change daily without notice. Rates are calculated based on participating Network Lenders rates as of the date stated above being averaged.
  • The following additional disclosures apply:
  • Credit subject to approval by participating Network Lender.
  • A loan fee may be required.
  • Assumes auto is new or less than one year old.
  • Interest rates assume excellent borrower credit history.
  • Rates and payment amounts will vary by state, collateral type and loan to value ratio.
  • Rates and terms are subject to change without notice.
  • Example: A six year fixed-rate loan for a $25,000 new car, with 20% down, requires a $20,000 loan. Based on a simple interest rate of 3.4% and a loan fee of $200, this loan would have 72 monthly payments of $310.54 each and an annual percentage rate (APR) of 3.74%.

Auto Legal Notice

  • California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse's income even when requesting for a separate account.
  • Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
  • Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
  • Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
  • Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

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 loan can be fixed for a term and rate or variable with fluctuating amount due and rate assessed, be sure to speak with your loan officer about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. A personal loan can assist in paying off high-interest rate balances with one fixed term payment, so it is important that you try to obtain a fixed term and rate if your goal is to reduce your debt. Some lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Lenders may charge an origination fee generally around 1% of the amount sought. Be sure to ask about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $50,000 are available through participating lenders; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms and rates offered. Ask your loan officer for details.

As of 13-May-21, LendingTree Personal Loan consumers were seeing match rates as low as 2.49% (on a $10000 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:

Loan Amount Loan Term (Years) Rate APR Origination Fee Estimated Fixed Monthly Payment*
$1,000 3 5.59% 6.94% $19.90 $30.24
$5,000 3 4.60% 5.94% $99.50 $148.96
$5,000 5 6.99% 6.99% $0.00 $98.98
$10,000 3 2.49% 2.49% $0.00 $288.57
$10,000 5 3.19% 3.19% $0.00 $180.53
$15,000 3 2.49% 2.49% $0.00 $432.85
$15,000 5 3.19% 3.19% $0.00 $270.80
$20,000 3 2.49% 2.49% $0.00 $577.14
$20,000 5 3.19% 3.19% $0.00 $361.06
$25,000 3 2.99% 2.99% $0.00 $726.92
$25,000 5 3.69% 3.69% $0.00 $456.92
$30,000 3 2.99% 2.99% $0.00 $872.30
$30,000 5 3.69% 3.69% $0.00 $548.31
$35,000 3 2.99% 2.99% $0.00 $1017.69
$35,000 5 3.69% 3.69% $0.00 $639.69
$50,000 3 2.99% 2.99% $0.00 $1453.84
$50,000 5 3.69% 3.69% $0.00 $913.85

*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 after reviewing your credit history (a hard pull of credit will be performed by lenders with whom you are matched in order to provide you with prompt responses to your loan needs) under the Fair Credit Reporting Act such permissible purpose exists in order to evaluate your request promptly and adequately. 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.

While LendingTree does use your free credit score and/or consumer reports (sometimes called “credit reports”) to provide you with information and opportunities regarding your current credit situation, This inquiry performed by LendingTree is a soft inquiry and does not impact your credit score. Not all lenders will use your Social Security Number (SSN) if you provide it in this or other forms. LendingTree DOES NOT offer, extend or alter credit. LendingTree DOES NOT originate or fund any loans or products it markets. Rather it has a Network of Lenders for you to shop and compare such products.

LendingTree DOES NOT make credit decisions and is not a Lender. You may choose to speak with a lender and/or fill out one of their formal applications, it is at that time you can be offered, or obtain an extension of credit. If you choose to go through the formal application process with a lender you will be asked to authorize a "hard inquiry" on your credit, because LendingTree does not share or transmit your credit score or credit report data with any Lender on its Network.

Your Free Credit Score service is for you to have more control over your own financial situation. However, you should note that if you fill out an Auto or Personal loan form on LendingTree's Website that when you hit the "Submit" button you are consenting, acknowledging and agreeing for the lenders with whom you are matched to perform a hard inquiry of credit that may impact your credit score. However, shopping and comparing the same product will be treated generally as one inquiry within 45 days of shopping for the same. The Lender(s) you choose, NOT LendingTree, will provide you with formal Credit Score and/or Credit Report Disclosures. THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free annual credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law. LendingTree offer of Free Credit Score will last as long as LendingTree can lawfully provide the same. Should at any point in time the free service cease, consumers will be notified that the service is ending.

Business Loans are those loans that are for commercial use and any property and/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes, and that the proposed request would constitute a business loan which is exempted from the disclosure requirements of the Truth in Lending Act.

Most of our Business Funding Partners do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements.

There is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Partners determine the underwriting criteria necessary for approval, you should review each Partner's terms and conditions to determine which business funding option works for your business’s 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 Partner's discretion. There is no guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. Ask your lender for details.

Potential savings may vary based on the interest rates, balances and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the LIBOR (or other index utilized by the lender) rate, and will vary based on applicable terms and presence of a cosigner. Fixed interest rates may be based on applicable terms and presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice and may not be available in all states or for all types of current student loans. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. LendingTree, LLC is not a lender or creditor, it does not offer, extend or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures, please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.

Pursuant to the contracts between LendingTree and the Lenders on its Network, LendingTree may also receive information from your Lender regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to your Lender’s use of your information will be found in your Lender’s specific Privacy Policy.

Please Note:

1. Certain federal and Private Loans may not be eligible for consolidation/refinance.

2. Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).

3. Consolidation/refinance may lead to other negative results, such as loss of grace periods.

4. Loans in default generally cannot be consolidated until completion of a repayment trial plan so tell your lender if you are in default and determine relevant options (be wary of those asking for upfront fees as well)

5. Other options or programs may fit your needs (i.e. personal loan, debt consolidation and/or debt relief) consult your financial and/or tax advisor prior to making any decisions.

While LendingTree obtains a number of factors from your credit report it does not have all of your credit data and cannot guarantee any savings estimates delivered to your account. If you have activated savings alerts by providing your current interest rate, then LendingTree will update you monthly on what similarly situated consumers are receiving as match offers on similar products. Generally, you will need to realize a threshold dollar value of savings before we will alert you if not your details page will indicate that you have a "good rate". LendingTree is not offering financial advice that your rate is anything other than what it is in comparison with other customers on its Network and Savings are potential only and are based on current participating lenders, banks, brokers, peer-to-peer lenders, and other similar partners depending on the product. Savings Alerts are potential only and are not firm offers of credit and if your credit situation has changed you may not in fact be able to realize the savings. Only a selected lender/partner can tell you if you may in fact realize such savings since LendingTree does not know all of your financial information, employment, income, debts or assets. It is only an estimate of savings to empower you to take charge of your personal finances.

LendingTree is not a creditor as it does not offer, extend or alter credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with financial products such as mortgages, auto loans, personal loans, student loans, etc. LendingTree does not originate or fund any product it markets; rather it has a Network of Lenders who compete for your business. You may choose to speak with none, one or more of these Lenders to determine what your actual terms and savings may be. Only a lender can provide you with a formal application for credit, your inquiry form here is merely an expression of interest and/or intent to obtain credit. You must discuss your actual credit situation and fill out the lenders required documents prior to obtaining an extension of credit. Network Lenders may not have the best or the lowest rates so you are encouraged to continue to shop and compare additional lenders, credit unions, local financial institutions etc. to ensure you are truly getting your best deal for your situation.

You should contact your tax professional or other financial advisor to determine if you can actually realize savings by refinancing when it can extend the life of your current loan. You should ask the lender about all terms, rates, fees and costs associated with each product and if you will realize a net tangible benefit from the same. All initial estimated savings is done by trying to calculate what your rate may be; however, LendingTree does not have that information and cannot guarantee potential savings or that lenders will approve you for such product that would warrant those savings. All uses of estimated potential savings are examples only. LendingTree gathers information from the past 30 days of customer matches for the product indicated. A calculator is then utilized to find consumers that self-reported similar financial information in their inquiry form, and who received "matches" for the average rate, term and amount (minus taxes, insurance, and costs) at the lowest match rate for that time period. More particularly, the most lenders across the Network, offering the same low rate, assuming the same range of self-reported credit, estimated loan amount, estimated loan balance, location and 80% or better loan-to-value. Rates are not guaranteed and change daily. Lenders/Brokers/Dealers/Partners that perform the actual underwriting will have to determine if you meet their underwriting criteria which is unknown to LendingTree at the time of matching/offer/quote delivery. All amounts are estimates and examples only and do not represent an actual offer.

Average 11.41% APR savings are calculated using the averaged difference between the highest and lowest APRs of 36-month loan terms offered to each consumer with a credit score of at least 760.

Savings up to $4,122 on personal loans represent the dollar interest savings a consumer could achieve on a full loan term and are calculated using the averaged difference between the highest and lowest APRs offered on 36 month loan terms for customers with at least 760 credit, and applied to the averaged loan amount of $20,393 for all 36-month loan term offers provided to customers with credit scores of at least 760.

Calculations are based on actual network offer data on LendingTree.com made by third-party lenders in October 2019. Individual results may vary.

LendingTree Advertisement Disclosure (last updated June 8, 2018): 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, AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker, License #'s MB-0902469 and MB-0909882; California Dept. of Corporations, California Finance Lenders Law License No. 6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate; CT Mortgage Broker, License #4164 - MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; Georgia Mortgage Broker/Processor License #12989; Illinois Residential Mortgage License #0005433; Kansas Mortgage Company License #MC.0002279; MA Mortgage Broker License #MB1136 - We arrange but do not make loans; ME Loan Broker License #CSO06321; Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Broker License #1136; MO Mortgage Broker License #10-1261, 727 N. First Street, Suite 310, Saint Louis, Missouri 63102; MT Mortgage Broker, License #1097; Licensed by the New Hampshire Banking Department; NJ Residential Mortgage Broker License # 0801779 - broker will not make any mortgage loan commitments or fund any mortgage loans; NV Mortgage Broker License #1698; LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker-- NYS Department of Financial Services License #A004890 - Broker arranges mortgage loans with third-party providers; OH Mortgage Broker License #MB.802159.000, 7494 Preserve Place, West Chester, OH 05069; OR Mortgage Lending License #ML-1862; PA Licensed Mortgage Broker by the PA Department of Banking #20298; Rhode Island Licensed Loan Broker #20062113LB; Texas Mortgage Company License Unique Identifier #1136, Mr. Shan Guo #300978, Residential Mortgage Loan Originator at 1312 Village Creek Drive Suite 900, Plano TX 75093; VA Mortgage Broker License #MC-1052, Licensed by the Virginia State Corporation Commission; WA Mortgage Broker License #MB1136. 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.