Debt Consolidation Solutions from Discover

Whether you want to lower your monthly payment or pay down debt faster, Discover offers a range of debt consolidation plans that fit your financial goals.

Balance Transfer

Balance Transfer

Transfer up to your available credit line

Transfer high-interest debt from credit cards, store cards, student loans, and more and save with a low promotional APR.

Learn more about Balance Transfers
Personal Loan

Personal Loan

Borrow from $2,500 up to $35,000

Lock in a lower fixed interest rate and consolidate higher interest debt. There's no origination fees and no collateral required.

Learn more about Personal Loans
Home Equity Loan

Home Equity Loan

Borrow from $25,000 up to $150,000

Using the equity in your home, consolidate or refinance debt with no closing costs and low fixed interest rates.

Learn more about Home Equity Loans

See what debt consolidation can do for you

  • Spend less on interest

    Get a lower fixed rate with a loan or get a low promotional rate with a balance transfer.
  • Make a single monthly payment

    Debt consolidation can help you reduce the number of payments you make each month.
  • Pay off debt over time

    With debt consolidation, you pay down your debt according to your loan term or balance transfer promotional period.
  • Eliminate debt faster

    Debt consolidation can help you reduce your monthly payment and pay down principle quickly.

Estimate your savings with our debt consolidation calculators

See your balance transfer savings

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Estimate your savings with a personal loan

And see how much faster you can pay off your debt

Estimate savings

Calculate your savings with a home equity loan

See how much a home equity loan can lower your monthly payment

Estimate savings

Check out these debt consolidation tips and resources

Balance Transfer
Understanding Credit Card Balance Transfers

Understanding Credit Card Balance Transfers

A balance transfer can help you save money on interest while you pay down higher interest debt from existing credit cards and loans. Read more

See all Balance Transfer articles
Personal Loan
How to Pay Off Debt and Build an Emergency Fund at the Same Time

How to Pay Off Debt and Build an Emergency Fund at the Same Time

When it comes to major financial goals, two of the biggest are paying off debt and building an emergency fund. Read more

Explore Personal Loan resources
Home Equity
How Much Home Equity Do You Need to Consolidate Your Debt?

How Much Home Equity Do You Need to Consolidate Your Debt?

Using the equity in your home, consolidate your debt and pay a lower interest rate on one monthly payment. Read more

See all Home Equity articles