LendingTree vs NET Credit Union
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LendingTree
Understand your credit, track financial rates, and shop for loans and cards from a vast network of lenders. Get personalized offers and instant alerts to stay ahead of fraud and make smarter financial decisions.
- Full financial picture in one view
- Credit score monitoring and insights
- Rate tracking for loans and cards
- Personalized loan and card offers
- Instant credit monitoring alerts
- Fraud protection
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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.
NET Credit Union
Manage your NET Credit Union accounts conveniently from your mobile device. View balances, deposit checks, transfer funds, pay bills, and locate ATMs. Secure login options include Face ID and Touch ID.
- View accounts and balances
- Deposit checks
- Transfer money
- Pay bills
- Manage account alerts
- Locate ATMs
- Biometric login
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Access your NET Credit Union account securely, anytime and anywhere. All your accounts in one convenient location on your phone or tablet: • Checkings • Savings • Loans • Credit Cards • & More Features Include: • View Accounts & Balances • Deposit Checks • Transfer Money • Review Pending Transactions • Manage Account Alerts • Pay Bills • Locate ATM • Login Face ID, Touch ID (requires supported device) Current members can easily sign-in with their username and password. New users can sign-up in app.
Screenshots
Verdict
LendingTree and NET Credit Union both sit at 4.8 stars, but that hides the real split: 90% of NET Credit Union's written reviews are positive against 50% of LendingTree's. LendingTree's advantage is ratings volume (38K vs 3.2K). On price, rating, update cadence and ads 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 — 4.8 for LendingTree against 4.9 for NET Credit Union. That said, the two scores are not equally well evidenced: LendingTree has 38K ratings behind it against 3.2K, so its average is the more settled of the two. Written reviews are what separate them: 50% of LendingTree's written reviews are positive against 90% of NET Credit Union's.
LendingTree ships an update fortnightly, NET Credit Union monthly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | LendingTree | NET Credit Union |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (38K ratings) | 4.9 (3.2K ratings) — better |
| Positive reviews | 50.5% of reviews | 90.5% of reviews — better |
| Number of ratings | 38K — better | 3.2K |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.5 | 16.0 — better |
| Further details — not scored | ||
| Size | 59 MB | 130 MB |
| Age rating | 4+ | 4+ |
| Developer | LendingTree | NET Federal Credit Union |
Customer experience
LendingTree
NET Credit Union
User reviews
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
NET Credit Union
From 3.2K App Store ratingsWhat we love
- 👍 Helpful and friendly staff
- 👍 Reliable and accommodating service
- 👍 Convenient banking experience
- 👍 Positive customer relationships
Room to improve
- 🐛 Issues with checking account fees and availability
- 🐛 Occasional app glitches and login problems
Bugs and requests
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
NET Credit Union
Reported bugs
2 issues- App not functioning properly for some users
- Compatibility issues with older devices
Requested features
2 requests- Ability to transfer from shared accounts
- Option to view past transaction history
In-app purchases
LendingTree
No in-app purchases
NET Credit Union
No in-app purchases








