How Does LendingTree Get Paid?

Affirm Loan Review

Amanda Push, Author at LendingTree

Written by  Amanda Push

Kurt Adams, Editor at LendingTree

Edited by  Kurt Adams

Updated
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pros and cons

Like any lender, has a mix of benefits and drawbacks you’ll want to consider before taking out a loan. Here’s what you’ll want to weigh out:

Pros

  • 0% financing available for short-term BNPL loans
  • Doesn’t charge any fees
  • Checking eligibility doesn’t hurt your credit, and neither does applying for BNPL
  • Can borrow as little as

Cons

  • Won’t work if you need to borrow more than
  • May have to provide a down payment
  • Won’t know if your purchase is approved until checkout

requirements

Unfortunately, besides being at least 18 years old,

Best personal loan options for:

How to get a loan with

Once you make your decision and go to the checkout, if the retailer is an

How compares to other personal loan companies

Even if you believe

How Does LendingTree Get Paid?
Minimum credit scoreNo minimum credit scoreNo minimum credit score
APRs
Loan amountsStarting at No set minimum or maximum
Repayment terms months monthsUp to months
Late feesNone, not to exceed 25% of your amount due
Funding timelineMay receive funds within minutes of applyingMay receive funds within minutes of applyingMay receive funds within minutes of applying
Bottom lineOf the three lenders, offers the biggest loans and longest repayment terms. Unlike Afterpay and , it also doesn’t charge late fees. offers similar APRs to , but you only have 12 months to pay back your loan. To get a monthly Afterpay loan, you’ll have to spend at least . offers the lowest maximum APR of the three. It does give you a longer time to pay back your loan than Afterpay, but terms are still not as long as ’s.

Frequently asked questions

. If your purchase is larger than that, you may have to consider a traditional personal loan instead.

doesn’t offer specific details around its loan credit requirements. However, it does consider factors like your income, credit history and any debts you currently have.

Although you might be approved to use and other BNPL apps are generally easy to use and to qualify for. This can lead to impulse purchases. According to a LendingTree survey, 34% of BNPL users paid late at least once over one year’s time.

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