BNPL Tracker: 41% of Users Late in Past Year, More Using Loans for Groceries – LendingTree
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Matt Schulz
Dan Shepard
More than 4 in 10 (41%) users of buy now, pay later (BNPL) loans say they paid late on one of them in the past year, up from 34% just a year ago, according to a LendingTree survey.
That’s just one of several troubling findings from our survey, which asked people about their behaviors and perspectives regarding these popular loans. Along with increased late payments, we found that many borrowers who take out these loans use them to buy groceries or takeout and believe that successfully managing one will boost their credit score. (Spoiler: It doesn’t … at least not yet.)
There’s some good news, however. A separate survey fielded in March 2026 found that BNPL lenders are highly likely to waive a late fee on a BNPL loan if you’re willing to ask.
Here’s what else we found.
BNPL is everywhere. Almost half of our survey’s respondents say they’ve used a BNPL loan service such as Affirm or Klarna, including 11% who report using them at least six times.
Men are more likely than women (53% versus 46%) to have used a BNPL loan. Also, the younger you are, the more likely you are to have used one: 64% of Gen Zers (ages 18 to 28 in 2025) say they’ve used one, compared with 29% of baby boomers (ages 61 to 79 in 2025). That 64% includes 16% who’ve used them six or more times.
LendingTree’s March 2026 BNPL Tracker, which is fielded separately, shows that 44% of Americans are at least considering applying for BNPL this month. That’s up five points from February but still below the record 48% seen in December 2025 at the peak of the holiday shopping season.
Millennials (ages 30 to 45 in 2026) are the most likely age group to at least consider applying for a BNPL loan this month, with 55% indicating this. Gen Zers (ages 18 to 29 in 2026) and Gen Xers (ages 46 to 61 in 2026) are the next most likely (at 48% and 45%, respectively), while baby boomers (ages 62 to 80 in 2026) are the least likely to consider one of these loans (25%).
Additionally, 52% of Americans say they expect to apply for a BNPL loan in the next six months, up five points from February.
More than half of BNPL users (54%) say they’ve paid late on a BNPL loan in the past, including 41% who paid late on one in the past year. That 41% is up from 34% the previous year.
That’s a big percentage of BNPL users paying late, but it might make sense based on consumer confidence levels in our monthly BNPL Tracker. According to March’s BNPL Tracker, 61% of respondents at least considering getting a BNPL loan this month say they’re very confident they could pay off that loan without missing a payment. This is up two points from February. Meanwhile, 28% say they’re only somewhat confident, down three points from December.
While that adds up to 89% of people feeling at least some confidence about paying off BNPL loans on time, it still means a significant number of people take out these loans with doubts about whether they’ll be able to pay them back without incident. That’s far from ideal.
If you pay late, many BNPL lenders will charge you a small late fee. A December 2025 Consumer Financial Protection Bureau (CFPB) report said the average late fee assessed in 2023 was $9.99. The good news, however, is that you have a good chance of getting that fee waived if you ask. Our March BNPL Tracker shows that 88% of those who had asked to have a late fee waived on a BNPL loan either got the fee reduced or waived entirely.
According to that CFPB report, the average transaction amount for a BNPL loan was $135 in 2023, the most recent year for which data is available.
However, our survey found that most BNPL users don’t stop at just one loan. In fact, 60% of BNPL users say they’ve held multiple BNPL loans at one time, including 23% who have held three or more.
The younger you are, the more likely you are to have had multiple BNPL loans simultaneously. About 7 in 10 Gen Z BNPL users (71%) say they’ve done that, including 26% who’ve had three or more. Additionally, two-thirds of BNPL users who are parents of young children have had multiple BNPL loans at the same time.
The survey results make clear that BNPL purchases aren’t just about luxuries for many Americans. We found that 33% of BNPL users view the loans as a bridge to their next paycheck, up from 30% a year ago and 27% the year before. Meanwhile, about half of BNPL users (49%) say the loans are their preferred payment method for so-called stretch purchases.
Clothing, including shoes and accessories, is the item most commonly bought with a buy now, pay later loan, but technology devices and home decor aren’t far behind.
The survey found that a growing percentage of BNPL users are utilizing the loans to buy groceries. This year’s survey found that 25% of BNPL users have done so, up from 14% the previous year. Gen Z is the most likely age group to have done so, with 33% of BNPL users in that age range having used BNPL to buy groceries. It was the fourth-most common BNPL purchase for the age group, trailing clothing, technology and home decor items. Among other age groups, groceries never ranked higher than fourth.
Groceries aren’t the only food purchases being made with BNPL. About 1 in 6 BNPL users say they’ve used the loans to buy food delivery or takeout from a restaurant and 13% say they’ve used them for dining out. About two-thirds of BNPL users say they’d consider using BNPL to pay for food delivery. Businesses see that demand, given the announcement that food delivery giant DoorDash is partnering with one of the biggest BNPL services, Klarna, to make it easier for people to use these loans to get food delivered.
PayPal is the most commonly used BNPL lender, utilized by 56% of the BNPL users in our survey. However, three other services — Klarna, Affirm and Cash App Afterpay — are also popular. All three companies have been used by 38% of BNPL users. No other service tops 15%.
No, on-time payments made on buy now, pay later loans don’t help your credit score, at least not yet.
In June, credit-scoring giant FICO announced the launch of new credit-scoring models that incorporate BNPL loans for the first time. FICO announced that these new models will be available to lenders in the fall. However, it’s essential to recognize that these changes take time to fully implement. For example, not all lenders will upgrade quickly to use the new formula, similar to how many consumers take time to upgrade to a new version of a browser or phone. These things often move slowly.
Unfortunately, our survey — fielded before FICO’s announcement — shows that 62% of BNPL users believe these on-time payments help their credit score. The younger you are, the more likely you are to believe it. Men are more likely than women to hold this view, and higher-income earners are more likely than those with lower incomes.
Nearly half of BNPL users (48%) say they’ve regretted buying something with BNPL. That includes 16% who say it has happened more than once.
Gen Z is the most likely group to express regret (64% have done so, including 24% who’ve done so multiple times), but no demographic is immune:
While we all experience buyer’s remorse at times, here are a few things you can do to make it less likely that you’ll feel that way after your next BNPL purchase:
LendingTree commissioned QuestionPro to conduct an online survey of 2,000 U.S. consumers ages 18 to 79 from April 2 to 3, 2025. The survey was administered using a nonprobability-based sample, and quotas were used to ensure the sample base represented the overall population. Researchers reviewed all responses for quality control.
We defined generations as the following ages in 2025:
Separately, we commissioned QuestionPro to conduct an online survey of 2,049 U.S. consumers ages 18 to 80 from March 3 to 6, 2026, for our monthly BNPL Tracker and to gather data on requests to have late fees waived.
For this survey, we defined generations as the following ages in 2026:
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Advertising Disclosures
Disclosure 1
Free LendingTree Services – Disclosure current as of 20-May-24
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.
Disclosure 101
Personal Loans – Disclosure current as of 16-Dec-25
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:
*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.
LendingTree Advertisement Disclosure:
LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.
For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details.
LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 02-Apr-25.
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Matt Schulz
Dan Shepard
More than 4 in 10 (41%) users of buy now, pay later (BNPL) loans say they paid late on one of them in the past year, up from 34% just a year ago, according to a LendingTree survey.
That’s just one of several troubling findings from our survey, which asked people about their behaviors and perspectives regarding these popular loans. Along with increased late payments, we found that many borrowers who take out these loans use them to buy groceries or takeout and believe that successfully managing one will boost their credit score. (Spoiler: It doesn’t … at least not yet.)
There’s some good news, however. A separate survey fielded in March 2026 found that BNPL lenders are highly likely to waive a late fee on a BNPL loan if you’re willing to ask.
Here’s what else we found.
BNPL is everywhere. Almost half of our survey’s respondents say they’ve used a BNPL loan service such as Affirm or Klarna, including 11% who report using them at least six times.
Men are more likely than women (53% versus 46%) to have used a BNPL loan. Also, the younger you are, the more likely you are to have used one: 64% of Gen Zers (ages 18 to 28 in 2025) say they’ve used one, compared with 29% of baby boomers (ages 61 to 79 in 2025). That 64% includes 16% who’ve used them six or more times.
LendingTree’s March 2026 BNPL Tracker, which is fielded separately, shows that 44% of Americans are at least considering applying for BNPL this month. That’s up five points from February but still below the record 48% seen in December 2025 at the peak of the holiday shopping season.
Millennials (ages 30 to 45 in 2026) are the most likely age group to at least consider applying for a BNPL loan this month, with 55% indicating this. Gen Zers (ages 18 to 29 in 2026) and Gen Xers (ages 46 to 61 in 2026) are the next most likely (at 48% and 45%, respectively), while baby boomers (ages 62 to 80 in 2026) are the least likely to consider one of these loans (25%).
Additionally, 52% of Americans say they expect to apply for a BNPL loan in the next six months, up five points from February.
More than half of BNPL users (54%) say they’ve paid late on a BNPL loan in the past, including 41% who paid late on one in the past year. That 41% is up from 34% the previous year.
That’s a big percentage of BNPL users paying late, but it might make sense based on consumer confidence levels in our monthly BNPL Tracker. According to March’s BNPL Tracker, 61% of respondents at least considering getting a BNPL loan this month say they’re very confident they could pay off that loan without missing a payment. This is up two points from February. Meanwhile, 28% say they’re only somewhat confident, down three points from December.
While that adds up to 89% of people feeling at least some confidence about paying off BNPL loans on time, it still means a significant number of people take out these loans with doubts about whether they’ll be able to pay them back without incident. That’s far from ideal.
If you pay late, many BNPL lenders will charge you a small late fee. A December 2025 Consumer Financial Protection Bureau (CFPB) report said the average late fee assessed in 2023 was $9.99. The good news, however, is that you have a good chance of getting that fee waived if you ask. Our March BNPL Tracker shows that 88% of those who had asked to have a late fee waived on a BNPL loan either got the fee reduced or waived entirely.
According to that CFPB report, the average transaction amount for a BNPL loan was $135 in 2023, the most recent year for which data is available.
However, our survey found that most BNPL users don’t stop at just one loan. In fact, 60% of BNPL users say they’ve held multiple BNPL loans at one time, including 23% who have held three or more.
The younger you are, the more likely you are to have had multiple BNPL loans simultaneously. About 7 in 10 Gen Z BNPL users (71%) say they’ve done that, including 26% who’ve had three or more. Additionally, two-thirds of BNPL users who are parents of young children have had multiple BNPL loans at the same time.
The survey results make clear that BNPL purchases aren’t just about luxuries for many Americans. We found that 33% of BNPL users view the loans as a bridge to their next paycheck, up from 30% a year ago and 27% the year before. Meanwhile, about half of BNPL users (49%) say the loans are their preferred payment method for so-called stretch purchases.
Clothing, including shoes and accessories, is the item most commonly bought with a buy now, pay later loan, but technology devices and home decor aren’t far behind.
The survey found that a growing percentage of BNPL users are utilizing the loans to buy groceries. This year’s survey found that 25% of BNPL users have done so, up from 14% the previous year. Gen Z is the most likely age group to have done so, with 33% of BNPL users in that age range having used BNPL to buy groceries. It was the fourth-most common BNPL purchase for the age group, trailing clothing, technology and home decor items. Among other age groups, groceries never ranked higher than fourth.
Groceries aren’t the only food purchases being made with BNPL. About 1 in 6 BNPL users say they’ve used the loans to buy food delivery or takeout from a restaurant and 13% say they’ve used them for dining out. About two-thirds of BNPL users say they’d consider using BNPL to pay for food delivery. Businesses see that demand, given the announcement that food delivery giant DoorDash is partnering with one of the biggest BNPL services, Klarna, to make it easier for people to use these loans to get food delivered.
PayPal is the most commonly used BNPL lender, utilized by 56% of the BNPL users in our survey. However, three other services — Klarna, Affirm and Cash App Afterpay — are also popular. All three companies have been used by 38% of BNPL users. No other service tops 15%.
No, on-time payments made on buy now, pay later loans don’t help your credit score, at least not yet.
In June, credit-scoring giant FICO announced the launch of new credit-scoring models that incorporate BNPL loans for the first time. FICO announced that these new models will be available to lenders in the fall. However, it’s essential to recognize that these changes take time to fully implement. For example, not all lenders will upgrade quickly to use the new formula, similar to how many consumers take time to upgrade to a new version of a browser or phone. These things often move slowly.
Unfortunately, our survey — fielded before FICO’s announcement — shows that 62% of BNPL users believe these on-time payments help their credit score. The younger you are, the more likely you are to believe it. Men are more likely than women to hold this view, and higher-income earners are more likely than those with lower incomes.
Nearly half of BNPL users (48%) say they’ve regretted buying something with BNPL. That includes 16% who say it has happened more than once.
Gen Z is the most likely group to express regret (64% have done so, including 24% who’ve done so multiple times), but no demographic is immune:
While we all experience buyer’s remorse at times, here are a few things you can do to make it less likely that you’ll feel that way after your next BNPL purchase:
LendingTree commissioned QuestionPro to conduct an online survey of 2,000 U.S. consumers ages 18 to 79 from April 2 to 3, 2025. The survey was administered using a nonprobability-based sample, and quotas were used to ensure the sample base represented the overall population. Researchers reviewed all responses for quality control.
We defined generations as the following ages in 2025:
Separately, we commissioned QuestionPro to conduct an online survey of 2,049 U.S. consumers ages 18 to 80 from March 3 to 6, 2026, for our monthly BNPL Tracker and to gather data on requests to have late fees waived.
For this survey, we defined generations as the following ages in 2026:
Get personal loan offers from up to 5 lenders in minutes
Advertising Disclosures
Disclosure 1
Free LendingTree Services – Disclosure current as of 20-May-24
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.
Disclosure 101
Personal Loans – Disclosure current as of 16-Dec-25
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:
*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.
LendingTree Advertisement Disclosure:
LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.
For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details.
LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 02-Apr-25.
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