LendingTree vs Grow Credit

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.

With over 700,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required. As featured in the App Store “Hot This Week” section. Your credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three. Grow your credit with your subscriptions in three easy steps: - Apply for your Grow MasterCard. - Link your bank account. - Add your subscriptions: Netflix, Disney+, Hulu, Spotify, HBO Max, or over 100 others. Your subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars. Applying for Grow will not result in a hard credit pull and will not affect your credit score. We recommend using Grow alongside Rocket Money and Credit Karma. The press raves about Grow: Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity." Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card." Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit." Grow offers 4 plans: * Build Free - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - Cost: Free * Build Secured - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - $17 security deposit required - refundable after 12 consecutive on-time payments - Cost: $2.99 per month * Grow - Reports a $600 credit line to Equifax, Experian, and TransUnion - $50 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $4.99 per month * Accelerate - Reports an $1,800 credit line to Equifax, Experian, and TransUnion - $150 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $9.99 per month Additional Features: - Plan duration: 12 months - renewable. - Free FICO Score - Free credit education blogs and tutorials. We look forward to assisting you in your credit-building journey! Bank-Level Security: • Your data is protected with 256-bit encryption bank-level security and is never stored on your devices. This app is operated by Grow Credit, Inc. Questions or suggestions can be directed to behappy@growcredit.com.