About LendingTree

LendingTree is a leading online lending marketplace founded in 1996 and headquartered in Charlotte, North Carolina. The brand’s core value proposition is captured in its famous slogan: “When Banks Compete, You Win.”

Instead of being a direct lender, LendingTree provides a platform where consumers can compare offers for various financial products, including mortgages, personal loans, credit cards, student loans, and insurance. It empowers users by giving them multiple competitive quotes from a vast network of lenders after filling out a single inquiry form.

Disclaimer
Affiliate program terms can change frequently. The figures below are based on general information and may vary based on specific campaigns or affiliate tiers.

LendingTree Affiliate Program Overview

The LendingTree affiliate program is designed for partners who can drive high-quality leads to their financial comparison tools. Because LendingTree covers a wide array of financial products, it is considered one of the most versatile programs in the FinTech space.

Feature Information
Industry FinTech / Financial Services
Product Type Loans (Mortgage, Personal, Auto), Credit Cards, Insurance
Affiliate Program Type CPL (Cost Per Lead)

LendingTree Affiliate Program Offers

LendingTree provides a robust ecosystem for affiliates to convert traffic. Their offers are highly localized to the United States market and require strict adherence to financial regulations.

Feature Description
Promotional Materials Banners, Text links, Deep links, and Widgets
Affiliate Cookie Duration Typically 14 to 30 days (varies by network)
Accepted Traffic Source SEO, Content Marketing, Social Media, Email (with approval)
Accepted Countries United States (Primary focus)
Explicit Content Strictly Prohibited
Religious or Political Content Generally Prohibited (Brand Safety is a priority)

LendingTree Affiliate Commissions & Payments

LendingTree operates on a performance-based model. Unlike e-commerce, you are paid when a user completes a “short form” or a specific inquiry, not necessarily when they sign a loan.

Feature Details
MLM (Multi-Level Marketing) No
Commission Rate $1.00 to $45.00+ per lead (Depending on product type)
Commission Structure Flat fee per qualified lead
Payout Frequency Net-30 (Monthly)
Payout Methods Direct Deposit (ACH), Check, Wire Transfer
Minimum Payout $50 (Depending on the affiliate network used)

Suitable Affiliates for LendingTree

Not every creator is a perfect fit for LendingTree. Because financial products require high trust, the following categories perform best:

  • Bloggers: (High Suitability) Especially those in the Personal Finance, Real Estate, or “Adulting” niches. Detailed reviews and comparison articles perform exceptionally well.
  • YouTubers: (High Suitability) Creators who explain credit scores, mortgage processes, or debt management can use LendingTree as the “solution” in their descriptions.
  • Influencers/KOLs: (Medium Suitability) Finance-focused influencers (Finfluencers) can leverage their authority to recommend the comparison tool.
  • TikTokers/KOC: (Medium Suitability) Short-form tips on saving money or getting a house can drive traffic to a “Link in Bio.”
  • Video Editors/Livestreamers: (Low Suitability) Generally less effective unless the content is specifically focused on live financial coaching or educational webinars.

LendingTree Affiliate Software

LendingTree does not typically use a proprietary, in-house software for public affiliates. Instead, they partner with major Third-Party Affiliate Networks.

  • Primary Software/Network: Impact (formerly Impact Radius).
  • They have also been known to list offers on CJ Affiliate (Commission Junction) and FlexOffers. This allows them to use advanced tracking, automated reporting, and reliable third-party payment processing.

3 Alternatives for LendingTree Affiliate Program

If you are looking for alternatives, these three brands operate in a similar space but have different strengths.

Comparison Factor LendingTree Credible Bankrate Rocket Mortgage
Average Lead Value $2 – $45 $10 – $100 $5 – $50 $20 – $60
Entry Fees $0 (Free) $0 (Free) $0 (Free) $0 (Free)
Withdrawal Threshold $50 $50 $50 $100
Payment Frequency Monthly Monthly Monthly Monthly
Commission Type CPL (Lead) CPL (Lead) CPL / CPC CPL (Lead)
Conversion Rate High (Multi-offer) Moderate High (Brand Trust) High (Niche Focus)
Marketing Materials Excellent (Widgets) Good (Banners) Basic (Links) Excellent (Creative)