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Consolidate debt and take control of your finances.
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Pay for unexpected expenses and life's big moments.
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Finance home repairs and renovations.
Why get a personal loan from Discover
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$0 fees
No loan origination fees. No fees of any kind as long as you pay on time.
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Fixed rates:
6.99% to 24.99% APRLock in your rate. Your monthly payment will never change.
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Design your
loan terms around youUse our personal loan calculator to design your loan around the loan amount and length.
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Save money
Pay off higher rate loans and credit cards. You can save hundreds - or even thousands - of dollars.
How it works
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1Check 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.
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2Apply in minutes
Our highly trained loan specialists are ready to help you with the application 7 days a week.
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3Get 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
Discover Personal Loans | |
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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 |
You get much more than just a personal loan with Discover
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100% U.S.-based loan specialists to answer any questions.
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Easy account management online or on the Discover mobile app.
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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.
Learn more about personal loans

Still have questions?
Give us a call and speak with a dedicated U.S.-based loan specialist.

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.