Personal Loans can help you take control & reach your goals

A personal loan can be an ideal solution for individuals with good credit and a strong financial history. You get competitive, fixed rates with flexible payment options to help you reach your goals.

Fixed rates range from 6.99% to 29.99% APR and payment options range from 36 to 84 months.
The availability of rates and payment term options is based on creditworthiness at the time of
application. If you’ve received a mail invitation, click here to see your rate.

Not all personal loans deliver
the same advantages

A Discover Personal Loan delivers important advantages when it comes to taking more control of your financial picture. Here’s how some of the major features and benefits compare.1

Personal Loan
Wells Fargo
Personal Loan
APR range

6.99% up to 29.99%

6.253% up to 20.511%

5.99% up to 32.99%

5.99% up to 35.97%

Origination fees
or closing costs



$618 2

$594 2

payment plans

36, 48, 60, 72, or 84 months 3

up to 60 months; varies by loan amount

24, 36 or 60

36 or 60

Option to pay off creditors directly
Directly deposited funds can go to any bank account you choose
You can apply online or by phone even if you are not a current customer
Return the loan funds within 30 days and pay no interest

1.Comparison conducted by an independent research firm and based on data compiled in September 2015 from company websites, customer service agents, and consumer credit offers.

2.Origination fee estimates are based on average loan amount and average origination fee % listed in company filings(10-Q).

3.6.99% APR not available for 84-month term. 19.99%-29.99% APR not available for 72 or 84-month term and loan amounts above $25,000.

One personal loan.
Many things to use it for.

A personal loan from Discover can be used many ways - whether your goal is consolidating debts, paying for big life events, taking care of major purchases or handling unexpected bills.

Learn more about loan uses >
debt consolidation loans

Consolidate your
higher-interest debt
at a lower rate

Debt Consolidation Loans >

wedding loans

Celebrate the wedding
you've always

Wedding Loans >

green loans

Upgrade to more

Green Loans >

vacation loans

Take a family
vacation they'll
always remember

Vacation Loans >

Over half a million
Americans empowered

Discover Personal Loans have helped more than half a million Americans. In all 50 states. From many walks of life. So chances are good, we can help you meet your goals, too. The people below are examples of real Discover customers who've been approved for a personal loan.

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“A personal loan from Discover will allow you to realize your financial goals and dreams.”4

Kosta K, Chicago, IL

“The people we worked with were very helpful and we felt they went out of their way to make sure everything was good.”4

Steven L, Fort Hood, TX

“Everytime I called in the customer service rep was very polite and didn't treat you like it was strictly business.”4

Vanica M, Irvington, NJ

4. Testimonials received from interviews conducted in 2012 with actual Discover Personal Loans customers

Get started on your
Discover Personal Loan

Apply online in minutes using
our secure application.


Monday–Friday, 8am–11pm ET

Saturday–Sunday, 9am–6pm ET

Learn more about the application process >