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Your credit will also be verified using the three major credit-reporting agencies. Many lenders run what is called a "soft credit check that will not negatively affect your credit score. Many online personal loan services, such as LendingTree, are not actual lenders.
LendingTree says it is a marketing lead generator and a duly licensed mortgage broker, not a lender. The company obtains your basic information and then connects you with potential lenders you might acquire a loan from.
Your loan will be through the specific lender you ultimately decide to work with, not the how long do cash advances take company you initially applied through. As with most loans, your credit rating is scrutinized. Each lender has its own requirements, but you're more likely to obtain a personal loan if you have good credit and a dependable, steady income. If you have not established credit through traditional lines, such as credit cards, a mortgage or auto loans, the lender may consider your payment history with other bills such as utilities or rent.