Am I obligated to accept an offer?
You are under no obligation to accept a loan offer that is presented to you. However, if you do accept a loan offer, you may be obligated to pay a fee to the lender (including LendingTree Loans or Home Loan Center) to begin the processing of your loan application should you choose to apply for a loan with that lender. See the FAQ on HomeLoanCenter.com for more information on LendingTree Loans and Home Loan Center.
Back to top

Can I mail, email or fax in my loan request?
LendingTree is committed to sending information to Lenders quickly and accurately. Using mail, email or fax would introduce the possibility of transcription errors, unnecessary delays and additional costs - which would reduce the benefits of using LendingTree! That is why we only accept loan requests through our online forms or over the phone where we can confirm the information you provide.
Back to top

Can I negotiate directly with the Lenders?
Absolutely. You are under no obligation to accept a Lender's first offer. In fact, if you've received a better offer from another Lender, we give you the opportunity to tell the Lender about it through our Web site. In most cases, when you receive your loan offers, we will provide you with contact information for each Lender. Feel free to contact the Lender directly to discuss different loan programs. However, if you accept a loan offer from a Lender, be sure to send your response through LendingTree so that we can update our records.
Back to top

Can you delete my information?
We cannot delete your loan request because we must maintain a record of your inquiry to comply with state and federal record retention laws. However, we do not share your information except in accordance with our Privacy Policy. Should a state or federal regulator request records of consumers who completed loan requests, as a regulated entity, we must comply with that request to produce any such records.
Back to top

How can I check on the credibility of LendingTree?
We think the best endorsement comes from people who found a loan through LendingTree. We get letters and emails each day from happy borrowers who found a loan. We've shared some of their comments in Customer Feedback. LendingTree is also a member of the Better Business Bureau. Please feel free to call them at (704) 527-0012 to check up on us.
Back to top

Do you have Lenders who deal with less-than-perfect credit?
Yes! We have Lenders who work with borrowers with perfect credit and less-than-perfect credit. Although we can't guarantee that you'll get a loan offer, we will try to match your loan request with Lenders who are eager to work with you.
Back to top

Does having a co-borrower improve my chances of finding a loan?
Including a co-borrower on your loan request may or may not affect your chances of finding a loan. Lenders will consider the credit reports, income, assets, debts and other information about both borrowers. Before you decide whether or not to include a co-borrower on your loan request, consider your combined financial picture.
Back to top

Does LendingTree and/or each Lender pull my credit report?
LendingTree pulls your credit report when you complete a loan request. LendingTree's inquiry does not count towards your credit score nor does it show up on your credit report to anyone but you.

Each Lender has their own policy about pulling your credit. Some may pull your credit before they make you a loan offer; others may pull your credit after you have accepted their offer. In all cases, LendingTree pulls your credit report when you complete a loan request.

Presently Fair Isaac Corporation (the company that provides "FICO" credit scores) provides that for mortgage or auto loans it disregards those inquiries made in the prior 30 days. All inquiries on your credit report within a 14-day period will count as one inquiry if you are looking for a mortgage to purchase a home, a mortgage to refinance your home, a home equity loan or line of credit or an auto loan. If you are looking for a personal loan or credit card, however, each inquiry will be counted as a separate inquiry.
Back to top