Discover makes getting a personal loan easy as 1-2-3
Choose your loan amount and term
Tell us how much you want and how long you need to pay it back.
Preview your rate before you apply
Check your rate, then apply with confidence.
Review terms and get funds fast
After you accept the terms of your loan, funds can be sent as early as the next business day.1
Tell us how much you want and how long you need to pay it back.
Check your rate, then apply with confidence.
After you accept the terms of your loan, funds can be sent as early as the next business day.1
Or get started by talking with a dedicated loan specialist by calling.
1-866-248-12551-866-248-1255Monday-Friday, 8am-11pm ETSaturday-Sunday, 9am-6pm ETEstimate how low monthly loan payments can be
Our personal loan payment calculator can estimate monthly payments.
Common questions about how to get a loan with Discover
Our loans specialists review your application. If we have questions, we'll give you a call. If you have questions, it's easy to check your application status.
Most people get a decision the same day. Just be sure your application is complete and your information is complete.
If you're approved, you'll receive your loan terms to review and accept. After acceptance, funds can be sent as soon as the next business day, although it may take longer to receive funds. A Welcome Kit with your loan details will be mailed to you.
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.
1Funds can be sent as soon as the next business day after acceptance. It may take longer to receive funds.