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 6.42% (on a $25000 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 |
5.75% |
6.99% |
$18.30 |
$30.31 |
| $5,000 |
3 |
5.74% |
6.99% |
$91.50 |
$151.52 |
| $5,000 |
5 |
7.15% |
7.15% |
$0.00 |
$99.35 |
| $10,000 |
3 |
6.74% |
6.74% |
$0.00 |
$307.58 |
| $10,000 |
5 |
6.92% |
6.92% |
$0.00 |
$197.62 |
| $15,000 |
3 |
6.67% |
6.67% |
$0.00 |
$460.91 |
| $15,000 |
5 |
6.44% |
6.44% |
$0.00 |
$293.05 |
| $20,000 |
3 |
6.66% |
6.66% |
$0.00 |
$614.44 |
| $20,000 |
5 |
6.43% |
6.43% |
$0.00 |
$390.66 |
| $25,000 |
3 |
6.65% |
6.65% |
$0.00 |
$767.91 |
| $25,000 |
5 |
6.42% |
6.42% |
$0.00 |
$488.16 |
| $30,000 |
3 |
6.66% |
6.66% |
$0.00 |
$921.72 |
| $30,000 |
5 |
6.43% |
6.43% |
$0.00 |
$585.99 |
| $35,000 |
3 |
6.66% |
6.66% |
$0.00 |
$1075.28 |
| $35,000 |
5 |
6.43% |
6.43% |
$0.00 |
$683.70 |
| $50,000 |
3 |
6.85% |
6.85% |
$0.00 |
$1540.39 |
| $50,000 |
5 |
6.61% |
6.61% |
$0.00 |
$980.88 |
*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.
