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    Why get a personal loan from Discover

    Average Customer Rating
    choose dollar amount up to $35,000
    $0 fees

    No loan origination fees. No fees of any kind as long as you pay on time.

    flexible repayment timelines

    Fixed rates:
    6.99% to 24.99% APR

    Lock in your rate. Your monthly payment will never change.

    Choose your Monthly Payment
    Design your loan terms around you

    Use our?personal loan calculator?to design your loan around the loan amount and length.

    Choose your Monthly Payment
    Save money

    Pay off higher rate loans and credit cards. You can save hundreds - or even thousands - of dollars.

    How it works

    Check your rate

    Get your?personal loan interest rate?with no impact to your credit score. Simply enter the amount and length of the loan you want to get started.

    Apply in minutes

    Our highly trained loan specialists are ready to help you with the application 7 days a week.

    Get funds fast

    Most get a decision the day they apply. If approved, you can have funds sent directly to you or to your creditors.

    Say goodbye to debt sooner

    Payoff Time:?6 years?with?one set monthly payment of $256

    Personal Loan from Discover


    Fixed Rate

    6.99% APR1

    Payoff Time:?Over?47 years?to repay with the minimum monthly payment2
    Higher Rate Debt
    $15,000 (Total Balance)
    Average Rate
    17.71% APR

    Estimate savings with our Debt Consolidation Calculator.

    1. Your APR will be between 6.99% and 24.99% based on creditworthiness at time of application for loan terms of 36-84 months. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select.

    2. Repayment timing estimate is based on a minimum monthly payment of 2% of the $15,000 balance or a minimum payment of $25, whichever is greater. Actual results may vary. Average APR is based on the national exchange found on www.creditcards.com as of 05/03/19.

    See how Discover's loan benefits compare

    Compare Discover's personal loan benefits with others
    Discover Personal Loans Lending Club Wells Fargo Prosper Funding

    Origination fees


    Flexible repayment terms -?36, 48, 60, 72 and 84 months

    Same-day decision in most cases

    Option to pay off creditors directly

    100% U.S.-based customer service

    Return loan funds within 30 days and pay no interest

    Free Credit Scorecard with your FICO??Credit Score, number of recent inquiries and more**,??

    *Origination fee estimates are based on average loan amount and average origination fee % listed in company filings (10-Q) for quarter ended March 31, 2019.
    **?Compared lenders may provide a FICO? Credit Score or other credit score and other credit information. See lender's website for further details.
    Comparison conducted by an independent research firm and based on data compiled in May 2019 from company websites, customer service agents, and consumer credit offers.
    ?FICO??Credit Score Terms: Your FICO??Credit Score, key factors and other credit information are based on data from TransUnion??and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO?Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.


    We've helped more than 1 million people reach their goals

    Read Discover Personal Loans Reviews
    Nerd wallet

    A Winner for Best Personal Loans for Debt Consolidation

    ? 2018-2019 and TM, NerdWallet, Inc. All Rights Reserved.

    Discover Personal Loans has been nothing but a fast, simple, and professional process to acquire a loan that fit my needs. This being my second personal loan over the years has been nothing but a great experience with Discover. They were there when I needed them!
    Nancy59, March 2019
    Very easy, I would definitely recommend this to anyone who needs a little help.
    Nub72, March 2019

    You get much more than just a personal loan with Discover

    • check icon

      100% U.S.-based loan specialists to answer any questions.

    • check icon

      Easy account management online or on the Discover mobile app.

    • check icon

      Track your credit score, length of credit history, number of accounts and more.

    Ways to use a personal loan

    From planning a big event to facing an unexpected expense to consolidating debt, see all the ways to use a personal loan.

    Debt management tools and resources

    From helpful articles to loan payment calculators, we're here to help you understand your options and get better with money.

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