• Consolidate debt
    Consolidate debt and take control of your finances.
  • Pay for unexpected expenses
    Pay for unexpected expenses and life's big moments.
  • Finance home repairs
    Finance home repairs and renovations.

Why get a personal loan from Discover

  • $0 fees

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

  • Fixed rates:
    6.99% to 24.99% APR

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

  • Design your
    loan terms around you

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

  • Save money

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

How it works

  • 1
    Check your rate

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

  • 2
    Apply in minutes

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

  • 3
    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.

See how Discover's loan benefits compare

Compare Discover's personal loan benefits with others
Discover Personal Loans
Origination fees $0
Flexible repayment terms - 36, 48, 60, 72 and 84 months Applicable
Same-day decision in most cases Applicable
Option to pay off creditors directly Applicable
100% U.S.-based customer service Applicable
Return loan funds within 30 days and pay no interest Applicable
Free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more**, † Applicable
  • *Origination fee estimates are based on average loan amount and average origination fee % listed in company filings (10-Q) for quarter ended September 30, 2018.
  • ** 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 January 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.
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We’ve helped more than 1 million people reach their goals

Read Discover Personal Loans Reviews  

You get much more than just a personal loan with Discover

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

  • Easy account management online or on the Discover mobile app.

  • 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.


Still have questions?

Give us a call and speak with a dedicated U.S.-based loan specialist.

1-866-248-1255 Monday-Friday, 8am-11pm ET Saturday-Sunday, 9am-6pm ET

Ready to check your rate?

See what your rate will be with a Discover Personal loan. It’s quick, easy and won’t affect your credit.