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    To estimate your savings, select a credit range and enter your outstanding debts

    How's Your Credit?
    Please select score
    1
    Current Debt
    $
    Enter your current debt
    Current APR
    %
    Enter the current APR
    Monthly Payment
    $
    Enter the last monthly payment made Monthly payment should be lower than current balance

    Let's see what debt consolidation could do for you

    Your Credit

    Total Debt

    $

    Average APR

    %

    Total Monthly Payments

    $

    Based on your selection of credit, we are unable to provide you with a savings calculation.

    A minimum credit score of 660 is required to qualify for a Discover Personal Loan. You can read more about the importance of your credit history on our?Resource Center.

    Call to speak with a dedicated loan specialist and evaluate your options.

    We're here to help you evaluate your needs and your options. Give us a call:

    Based on the information entered, consolidating debt with Discover Personal Loans may not save money or time

    Call to speak with a dedicated loan specialist and evaluate your options.
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    Monday-Friday, 8am-11pm ET
    Saturday-Sunday, 9am-6pm ET

    Based on your current situation, you could keep your monthly payment of $ and:

    SAVE MONEY
    Save up to

    $

    in interest
    SAVE TIME
    Pay off debt

    months

    sooner
    Results based on a Discover Personal Loan with % APR for months.
    How did we calculate this result?

    This is just an estimate.?Adjust the slider to see how different credit scores can affect your savings.

    Good Very Good Exceptional

    Your APR will be between 6.99% and 24.99% APR based up on creditworthiness at time of application.

    Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. For customers with less than Good credit, a Discover Personal Loan may not be the right debt consolidation solution.

    Find out if you prequalify today

    Check your rate before you apply—it won't affect your credit score

    Check Your Rate

    How low could monthly payments be? Estimate payments with our?Personal Loan Calculator

    Here's how a Discover personal loan can help you consolidate debt and save

    Lock in a Fixed Loan Rate
    Lower your interest rate
    Rates from 6.99% to 24.99% APR can help you save on interest.
    Choose your Monthly Payment
    Make one fixed payment a month
    Combine multiple higher interest bills into one easy monthly payment.
    No Loan Origination Fees
    Pay off creditors directly
    And say goodbye to all those bills from credit cards, store cards and more.
    Rates from 6.99% to 24.99% APR can help you save on interest.
    Combine multiple higher interest bills into one easy monthly payment.
    And say goodbye to all those bills from credit cards, store cards and more.

    Common questions about debt consolidation loans

    See More FAQs

    Learn more about debt consolidation and money management

    From the first time you consider a loan to the moment you finish paying it off, you’ll find helpful articles and tools in our Resource Center.

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