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.
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 12-Apr-24, LendingTree Personal Loan consumers were seeing match rates as low as 6.99% (on a $7500 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 | 7.22% | 8.49% | $18.50 | $30.98 |
| $5,000 | 3 | 6.63% | 7.99% | $99.50 | $153.54 |
| $5,000 | 5 | 9.49% | 9.49% | $0.00 | $104.98 |
| $10,000 | 3 | 7.99% | 7.99% | $0.00 | $313.32 |
| $10,000 | 5 | 8.99% | 8.99% | $0.00 | $207.54 |
| $15,000 | 3 | 6.99% | 6.99% | $0.00 | $463.09 |
| $15,000 | 5 | 9.24% | 9.24% | $0.00 | $313.13 |
| $20,000 | 3 | 6.99% | 6.99% | $0.00 | $617.45 |
| $20,000 | 5 | 8.99% | 8.99% | $0.00 | $415.07 |
| $25,000 | 3 | 6.99% | 6.99% | $0.00 | $771.81 |
| $25,000 | 5 | 8.64% | 8.64% | $0.00 | $514.57 |
| $30,000 | 3 | 6.99% | 6.99% | $0.00 | $926.18 |
| $30,000 | 5 | 7.99% | 7.99% | $0.00 | $608.15 |
| $35,000 | 3 | 6.99% | 6.99% | $0.00 | $1080.54 |
| $35,000 | 5 | 8.99% | 8.99% | $0.00 | $726.37 |
| $50,000 | 3 | 8.49% | 8.49% | $0.00 | $1578.15 |
| $50,000 | 5 | 9.49% | 9.49% | $0.00 | $1049.85 |
*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. 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.
Payment Examples
| Loan Amount | Initial
Interest Rate (for 60 months) |
APR | Initial Monthly
Payments (for 60 months) |
| $175,000 | n/a% | n/a% | $n/a |
| $200,000 | 6.75% | 7.65% | $1297.20 |
| $225,000 | 5.38% | 7.13% | $1259.94 |
| $250,000 | 6.50% | 7.40% | $1580.17 |
| $300,000 | 6.13% | 7.23% | $1822.83 |
| $400,000 | 6.50% | 7.35% | $2528.27 |
Payment Examples
| Loan Amount | Interest Rate | APR | Monthly Payments |
| $200,000 | 6.50% | 6.87% | $1742.21 |
| $250,000 | 5.88% | 6.04% | $2092.80 |
| $300,000 | 4.99% | 5.30% | $2370.82 |
| $350,000 | 5.63% | 5.63% | $2883.06 |
| $400,000 | 5.88% | 6.19% | $3348.47 |
Disclosure Assumptions
Payment Examples
| Loan Amount | Interest Rate | APR | Monthly Payments |
| $200,000 | 6.75% | 6.91% | $1297.20 |
| $250,000 | 6.50% | 6.50% | $1580.17 |
| $300,000 | 5.99% | 6.08% | $1796.72 |
| $350,000 | 6.00% | 6.09% | $2098.43 |
| $400,000 | 6.63% | 6.80% | $2561.24 |
Disclosure Assumptions
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.
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.
LendingTree offers consumers access to various different insurance products and services. LendingTree is not an insurance agency nor does LendingTree underwrite any insurance policy. LendingTree may receive compensation from the companies displayed to the consumer on the LendingTree site. LendingTree does not include all insurance companies or products, and LendingTree advises consumers to shop for the best insurance product for their own particular situation.
PolicyGenius Inc. (“PolicyGenius”) is a licensed independent insurance broker. PolicyGenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed with PolicyGenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.
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.
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.
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 08-Aug-2022:
| Loan Amount | APR | Payment |
| $25,000.00 | 6.99% | $166.16 |
| $50,000.00 | 6.99% | $332.32 |
| $100,000.00 | 7.13% | $673.72 |
The "As Low As Rate" of 6.99% 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
A reverse mortgage is a loan that converts the borrower’s home equity into payments from a lender and, typically, does not require any mortgage repayments as long as the borrower continues to live in the home. HOWEVER, the borrower has to continuing paying insurance and taxes on the home. Industry reports indicate that almost all reverse mortgages are made under the Home Equity Conversion Mortgage (HECM) program, which is administered by the Department of Housing and Urban Development (HUD) through the Federal Housing Administration (FHA). While other types of Reverse Mortgages are available, such as Standard Reverse Mortgage that can have higher fees and costs associated with it than an HECM Savers. There is also a HECM for Purchase which allows you to borrower for the purpose of buying a new home.
Reverse mortgages typically are “rising debt, falling equity” loans, in which the loan balance increases and the home equity decreases over time. As the borrower receives payments from the lender, the lender adds the principal and interest to the loan balance, reducing the homeowner’s equity. The loan amount that a lender can advance to a borrower depends on three factors. First, the loan amount is based on the “maximum claim amount,” which is defined as the lesser of the appraised value of the house. Second, the age of the borrower affects the borrower’s loan amount—the older the borrower, the higher the loan amount. However, if there is more than one homeowner, the loan amount is based on the age of the youngest borrower. Third, the interest rate also affects the loan amount. Typically, the lower the interest rate, the higher the loan amount.
General eligibility restrictions and requirements:
Benefits of a Reverse Mortgage:
Costs Associated with HECM (for detailed explanation of costs and fees ask the lender you select and make sure to ask about the overall risks associated with this mortgage product):
Don't sign any loan documents unless you understand how your reverse mortgage will work. You may also contact a HECM counselor from FHA's National HECM Counseling Network. These counselors provide both face-to-face and telephone counseling nationwide and you are required to speak to one before you make any decisions regarding a reverse mortgage.
HECM for Purchase program is available to allow seniors to purchase a new primary residence and obtain a reverse mortgage within a single transaction. The program is also designed to assist in relocation to other geographical areas, downsize, or to purchase a home that meet their physical needs, Eligibility is similar to that of a Reverse Mortgage/HECM but there are some variations, at least one of the borrowers be 62 or older, and intend to purchase a new primaryresidence using loan proceeds from a reverse mortgage.
Certain properties are ineligibe for the program, such as:
If you want further assistance LendingTree strongly encourages you to visit the FHA Resource Center.
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.
As of 12-Apr-24, LendingTree Purchase Auto Loan consumers were seeing offer rates as low as 6.49% ( on a $72000.00 loan amount for a term of 60.00 months ). Here are some examples of offers consumers were receiving as of 12-Apr-24:
| Loan Term (Months) | Loan Amount | Rate | APR | Estimated Monthly Payment |
| 36 | $10000.00 | 7.74% | 7.74% | $312.17 |
| $15000.00 | 7.74% | 7.74% | $468.25 | |
| $20000.00 | 7.74% | 7.74% | $624.33 | |
| $25000.00 | 7.49% | 7.49% | $777.54 | |
| $30000.00 | 7.49% | 7.49% | $933.05 | |
| 48 | $10000.00 | 7.69% | 7.69% | $242.68 |
| $15000.00 | 7.69% | 7.69% | $364.02 | |
| $20000.00 | 7.69% | 7.69% | $485.35 | |
| $25000.00 | 7.69% | 7.69% | $606.69 | |
| $30000.00 | 7.69% | 7.69% | $728.03 | |
| 60 | $10000.00 | 7.99% | 7.99% | $202.72 |
| $15000.00 | 7.99% | 7.99% | $304.07 | |
| $20000.00 | 7.90% | 7.90% | $405.00 | |
| $25000.00 | 7.99% | 7.99% | $506.79 | |
| $30000.00 | 7.99% | 7.99% | $608.15 | |
| 72 | $10000.00 | 7.99% | 7.99% | $175.28 |
| $15000.00 | 7.99% | 7.99% | $262.93 | |
| $20000.00 | 7.99% | 7.99% | $350.57 | |
| $25000.00 | 7.99% | 7.99% | $438.21 | |
| $30000.00 | 7.99% | 7.99% | $525.85 |
Disclosure Assumptions
Auto Legal Notice
As of 12-Apr-24, LendingTree Refinance Auto Loan consumers were seeing offered rates as low as 5.24% ( on a $125000.00 loan amount for a term of 48.00 months ). Here are some examples of offers consumers were receiving as of 12-Apr-24:
| Loan Term (Months) | Loan Amount | Rate | APR | Estimated Monthly Payment |
| 36 | $10000.00 | 6.34% | 6.34% | $321.87 |
| $15000.00 | 5.99% | 5.99% | $457.00 | |
| $20000.00 | 6.15% | 6.15% | $613.00 | |
| $25000.00 | 5.99% | 5.99% | $762.00 | |
| $30000.00 | 5.99% | 5.99% | $914.00 | |
| 48 | $10000.00 | 6.49% | 6.49% | $249.61 |
| $15000.00 | 6.24% | 6.24% | $353.93 | |
| $20000.00 | 6.24% | 6.24% | $471.90 | |
| $25000.00 | 6.24% | 6.24% | $589.88 | |
| $30000.00 | 6.24% | 6.24% | $707.86 | |
| 60 | $10000.00 | 6.49% | 6.49% | $205.93 |
| $15000.00 | 6.49% | 6.49% | $304.00 | |
| $20000.00 | 6.45% | 6.45% | $393.00 | |
| $25000.00 | 6.45% | 6.45% | $487.00 | |
| $30000.00 | 6.49% | 6.49% | $586.00 | |
| 72 | $10000.00 | 6.74% | 6.74% | $169.24 |
| $15000.00 | 6.74% | 6.74% | $253.87 | |
| $20000.00 | 6.74% | 6.74% | $338.49 | |
| $25000.00 | 6.74% | 6.74% | $423.11 | |
| $30000.00 | 6.74% | 6.74% | $507.73 |
Reducing your monthly car payments by refinancing? Keep in mind that if you choose to make your remaining loan term longer, the overall cost of your loan may be higher than without refinancing. If you decide to refinance with a LendingTree partner, you may be able to lower your monthly loan payment. However, if you choose a loan term that is longer than the term left on your existing auto loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing your auto loan is right for you.
Disclosure Assumptions
Auto Legal Notice
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.