LendingTree Review: Legit or Just a Lead Generator? (2025)
LendingTree’s quote-comparison tool, QuoteWizard, is a lead-generator that won’t give you real quotes.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Online quote-comparison tools can help you find cheap auto insurance rates based on your situation. But LendingTree’s auto insurance quote-comparison platform, QuoteWizard, is a marketing lead generator that matches users with partner insurance companies and other comparison websites. It makes money by sharing consumer information with other insurance companies and marketing partners.
LendingTree and its QuoteWizard product don’t offer real-time quotes to users at the end of its form, so if you want real-time quotes, you need to look elsewhere.
Quick Facts
LendingTree’s business is primarily financial services products like loans, refinances, and credit cards.
When going through the quote flow, we received one company option and no actual quotes.
Customers gave QuoteWizard some mixed online reviews, noting disappointment with not receiving online quotes.
LendingTree at a glance
Founded in 1996 and based in Charlotte, North Carolina, LendingTree has an expansive network of lenders to help you find the best deal on various financial products.[1] It focuses on helping borrowers find the lowest rates for auto loans, personal loans, home equity loans, student loans, mortgage loans, and more.
In addition to loan options, LendingTree also helps users compare auto insurance products. But it doesn’t produce real-time auto insurance quotes. After you submit your information, LendingTree will direct you to partnering insurance companies.
While LendingTree’s QuoteWizard shopping tool may be underwhelming according to some users, the company also offers resources to help you improve your financial life. For example, users can tap into services like credit report monitoring and credit card comparisons.
Pros
Easy and free to use
Compares prices and rates for various financial products
Many financial resources and tools
Cons
Real-time car insurance quotes not available
May share your information with third parties[2]
Mixed customer reviews online
How LendingTree works
QuoteWizard, LendingTree’s proprietary insurance-comparison tool, claims to help users find the best auto insurance policy. It requires you to complete a questionnaire that asks for your personal information, vehicle information, driving history, and more.
On LendingTree’s homepage, you’ll see a menu of options for financial comparison tools. Navigate to the “Insurance” icon and click “Car Insurance” to land on its insurance page.
You begin the survey by including your ZIP code, your age, and whether you have insurance.
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LendingTree will then ask you questions about how many vehicles you have and will want to know their year, make, model, and trim.
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Next, LendingTree asks about your insurance coverage history, including whether you have coverage, who your insurer is, and how long you’ve held insurance for.
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You’ll answer questions about your age, gender, marital status, education level, employment status, and homeowner status. You’ll also include information about your driving history, such as if you’ve had any at-fault accidents, speeding tickets, or driving under the influence (DUI) convictions. These are factors that may increase your car insurance premiums.
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LendingTree requires you to provide your birthday, first and last name, email address, phone number, and mailing address to access your results. It does give you the option to get just car insurance quotes or a bundled quote.
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Upon completing the survey, LendingTree displays one insurer recommendation and no prices. Once you select “View My Rate,” LendingTree directs you to its partner insurance company.
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Your basic information is already input into the insurer’s quote flow, but you’ll need to add more detailed information to get an actual quote.
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Is LendingTree legit?
LendingTree is a legitimate site, but not for comparing car insurance quotes. LendingTree and its partner, QuoteWizard, are lead-generation sites. When you go through the quote flow, you don’t receive any real quotes or any companies to compare.
LendingTree provides your phone number, email address, and mailing address to companies in its network. As a result, you may receive phone calls and text messages for additional information from those companies.
You can opt out of receiving marketing and promotional messaging through your LendingTree account or by using its opt-out form. If you want to cease communication with its partner companies, you must contact those companies directly.
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LendingTree reviews: What real customers are saying
LendingTree’s customer reviews are mixed. It holds a rating of 4.5 out of 5 stars based on 15,815 reviews on Trustpilot. But it has 1 out of 5 stars based on 106 reviews on the Better Business Bureau (BBB) website.
Most of the reviews on Trustpilot and the BBB are for LendingTree’s loan services. We couldn’t find any current reviews about getting car insurance quotes. In the positive reviews of its partner, QuoteWizard, customers cite friendly and helpful customer service.[3]
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In negative reviews for QuoteWizard, reviewers cite the lack of quotes and an increase in phone calls.[3] [4]
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LendingTree vs. Insurify
The main difference between LendingTree and Insurify is their focus. Insurify offers only insurance quotes, while LendingTree offers lending and insurance products. In addition, LendingTree’s QuoteWizard tool doesn’t show real-time quotes, while Insurify’s does. After providing your information to LendingTree, you’ll get one insurance company and no quotes. As a result, you may not be getting the best deal on your insurance policy.
Insurify helps you find the cheapest car insurance rates by generating real-time quotes. Insurify’s car insurance quotes let you edit your information at any point of the application, adjusting your rates in real time. Insurify is a good option to save time and energy by comparing multiple rates at the same time.
Additionally, LendingTree receives compensation from other financial institutions by sharing your information. Insurify doesn’t sell your information. Instead, it earns a commission if you purchase a policy from one of its partner insurance companies.
Feature  | LendingTree | Insurify |
|---|---|---|
| Real-time quotes | No | Yes |
| Sells customer information | Yes | No |
| Licensed insurance agency | No | Yes |
| Average Trustpilot rating | 4.5 | 4.8 |
LendingTree FAQs
Below are the answers to common questions about LendingTree and QuoteWizard.
LendingTree is relatively easy to use. But LendingTree doesn’t generate real-time quotes. You’ll have to re-enter information on its recommended car insurance companies’ websites to get a final quote.
Yes. LendingTree’s insurance comparison tool is completely free to use. Its revenue comes from generating leads for partnering companies.
No. LendingTree and its comparison calculator, QuoteWizard, are safe to use. But it doesn’t generate actual insurance quotes.
In its privacy statement, LendingTree states that it shares personal information with third parties and partners.
No. At the end of the quote flow, LendingTree provides one partner company and no quotes. To get a quote, you have to continue to the partner company’s website.
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Sources
- LendingTree. "Meet our Leaders."
- LendingTree. "Privacy Policy."
- Trustpilot. "QuoteWizard."
- The Better Business Bureau. "QuoteWizard."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.