Credit.com vs LendingTree
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Credit.com
Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.
- Free credit score and report summary
- Track credit score changes
- Personalized insights for financial improvement
- Monitor for fraud and identity theft
- View credit offer eligibility
- Score history tracking
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Discover the brand-new Credit.com app—now with a completely redesigned interface to make managing your credit simpler, smarter, and more secure. Check your credit score and report summary for free, track what’s impacting your credit, and get personalized insights to help you build a stronger financial future. Updates every 14 days let you see how your score changes over time, while our tools and resources give you actionable steps to improve. Best of all, using the Credit.com app won’t hurt your score, and your data is protected at every step by industry-leading security. TRACK YOUR SCORES • Get your free credit score and credit report snapshot • Monitor updates every 14 days to stay on top of changes • Spot potential fraud or identity theft early • Watch your score history to see your progress GET PERSONALIZED OFFERS • See which credit cards, loans, or other products you’re more likely to qualify for • Compare offers matched to your unique credit standing—before you apply With a refreshed design, intuitive navigation, and trusted tools, the Credit.com app makes it easier than ever to take control of your credit.
LendingTree
Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.
- Free credit score updates and alerts
- Personalized saving insights
- Loan and credit card shopping
- Credit monitoring and fraud protection
- Financial tips and expert advice
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LendingTree's free personal finance app built to help you understand your credit, track rates, shop for loans, and make smarter financial decisions — all in one place. YOUR FULL FINANCIAL PICTURE, AT A GLANCE See every account, every balance, and your total debt progress in a single view — no more jumping between apps. LendingTree tracks your debt over time so you can monitor your progress. KNOW YOUR CREDIT SCORE — AND WHAT'S BEHIND IT See your score, understand what's helping or hurting it, and get alerted the moment something changes. Credit health, demystified. TRACK RATES. MOVE AT THE RIGHT TIME. Set up rate tracking for the products you care about — mortgages, personal loans, home equity loans, and more — and get notified when the time is right to make a move. SHOP SMARTER FOR LOANS AND CARDS Save and compare personalized offers from the biggest lender network in the U.S. And when it's time to find a new card, CardIQ™ matches you to options you're likely to get approved for in about 30 seconds — no credit ding, no guesswork. STAY A STEP AHEAD OF FRAUD Instant credit monitoring alerts keep you in the loop whenever something changes on your credit file. LendingTree. When lenders compete, you win. Personal Loan Disclosure Conditional personal loan offers through LendingTree’s marketplace are from third party providers of financial products and services from whom LendingTree may receive compensation. Conditional loan offers feature loan amounts of $1,000 to $50,000, rate quotes up to 35.99% APR, and repayment terms of 61 days to 180 months. Terms and conditions apply. All customers may not qualify. Rates and other loan terms are controlled by third parties, not LendingTree, and are subject to change without notice, including at the point of application. Depending on the lender, other fees may apply. You can view any particular offer’s terms and conditions for more information. All offers are conditional and subject to application with the lender and lender approval. Representative Repayment Example: A borrower receives a personal loan of $10,000 with a term of 36 months and an APR of 7.49% (which includes a 7.49% yearly interest rate and a $0 origination fee). They would receive $10,000 in their account and would have a required monthly payment of $311.02. Over the lifetime of their loan, their payments would total $11,196.59. 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. NMLS ID #1136. License information available at https://www.lendingtree.com/legal/licenses-and-disclosures and https://nmlsconsumeraccess.org.
Screenshots
Verdict
The clearest difference is ads: LendingTree at none against Credit.com's shown. LendingTree also leads on review sentiment (50% vs 33%) and update cadence (fortnightly vs every 2 months). Credit.com's advantage is device support (3 vs 1) and iOS requirement (13 vs 17.5). On price, rating, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.7 for Credit.com against 4.8 for LendingTree. That said, the two scores are not equally well evidenced: LendingTree has 38K ratings behind it against 7.2K, so its average is the more settled of the two. Written reviews are what separate them: 33% of Credit.com's written reviews are positive against 50% of LendingTree's.
Credit.com ships an update every 2 months, LendingTree fortnightly. The most recent releases landed on October 14, 2026 and October 15, 2026 respectively.
| Parameter | Credit.com | LendingTree |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (7.2K ratings) | 4.8 (38K ratings) — better |
| Positive reviews | 33.0% of reviews | 50.5% of reviews — better |
| Number of ratings | 7.2K | 38K — better |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13 — better | 17.5 |
| Further details — not scored | ||
| Size | 12 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Credit.com | LendingTree |
Customer experience
Credit.com
LendingTree
User reviews
Credit.com
From 7.2K App Store ratingsWhat we love
- 🚀 Accurate and up-to-date information
- 👍 Easy to use and navigate
- 💡 Provides mortgage scores
Room to improve
- 🐛 Login issues and app crashes
- 🔍 Limited credit report details
- 💸 Subscription required for full features
LendingTree
From 38K App Store ratingsWhat we love
- 💯 Excellent credit monitoring and reporting
- 💳 Helpful in getting approved for credit cards and loans
- 📈 Useful for improving and tracking credit score
- 💰 Provides valuable financial insights and savings opportunities
Room to improve
- 🐛 Login and account verification issues
- 🔄 Inaccurate or outdated account and credit information
- 📞 Excessive sales calls and spam after signing up
- 🔍 Limited integration with financial institutions
Bugs and requests
Credit.com
Reported bugs
3 issues- Unable to login or create an account
- App freezes or stops working after updates
- Inconsistent credit score updates
Requested features
3 requests- Fingerprint/biometric login
- More detailed credit report information
- Ability to dispute inaccuracies directly in the app
LendingTree
Reported bugs
3 issues- App crashes and freezes during login and usage
- Inconsistent credit score reporting compared to other services
- Inability to properly configure loan and credit card preferences
Requested features
3 requests- Manual account and credit information updates
- Option to delete account information instead of just deactivating
- Better notification settings to control sales calls and emails
In-app purchases
Credit.com
No in-app purchases
LendingTree
No in-app purchases









