Ready to buy your next car, but not sure where to begin with financing? LendingTree is here to change that. It’s not a bank—it’s your personal loan-shopping assistant. With just one quick form, you can explore auto loan offers from multiple lenders, all in one place. No need to visit bank after bank or juggle a dozen browser tabs.
Instead of applying over and over again, LendingTree puts the power of comparison in your hands—so you can see what’s out there before making a move. And the best part? You can get prequalified with no impact to your credit score. That means you can shop with confidence, not pressure.
What Makes LendingTree Stand Out?
- One form, multiple offers – Fill out one application and receive personalized loan options from different lenders.
- No credit score impact (initially) – The prequalification process uses a soft credit check only.
- Fast results – Offers arrive in minutes, with rates and terms clearly laid out.
- Available for new and used cars – Whether you’re buying at a dealership or from a private seller, LendingTree covers both.
- Refinancing made easy – You can also check rates to refinance your current auto loan and possibly lower your payment.
- Free to use – No fees, no hidden costs, and no obligation to accept any offer.
Is LendingTree Right for You?
Yes, if you want:
- A fast, easy way to compare loan offers
- Prequalification without hurting your credit
- Flexible options for all types of buyers
- A way to refinance without the usual stress
Maybe not, if you:
- Don’t want to deal with multiple lenders
- Prefer working directly with a single bank or credit union
- Are uncomfortable sharing your info online
What You Should Know Before Getting Started
- Hard pulls come later – If you choose to go ahead with an offer, the lender will do a full credit check.
- Your rate depends on your credit profile – Higher credit scores usually mean better interest rates.
- Be ready with your info – You’ll need basic details like income, employment, and vehicle preferences.
- The platform is a matchmaker – LendingTree connects you with lenders, but doesn’t issue the loan itself.
- You may get follow-up calls – Some lenders might reach out to discuss your offer.
- Compare carefully – Not all offers are equal. Look at total loan cost, not just the monthly payment.
How It Works — In 6 Easy Steps
- Start online
Visit LendingTree and complete a short form with your info and loan needs. - Check your matches
Get prequalified offers from up to five lenders, side by side. - Compare rates and terms
Review APRs, loan lengths, and monthly payment estimates. - Pick your favorite
Choose the offer that makes the most sense for your budget and timeline. - Finalize your application
The lender will contact you, collect supporting documents, and run a full credit check. - Close the deal and drive off
Once approved, your funds are sent to the dealer or seller—and the car is yours.
