How to Get a Personal Loan in 3 Easy Steps | Discover

Discover makes getting a personal loan easy as 1-2-3

Choose your loan
Choose your loan amount and term

Tell us how much you want and how long you need to pay it back.

Preview your rate
Preview your rate before you apply

Check your rate, then apply with confidence.

Review terms
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

Want to know your rate before you apply? It doesn't hurt to check.
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 ET

Estimate how low monthly loan payments can be

Our personal loan payment calculator can estimate monthly payments.

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Common questions about how to get a loan with Discover

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1Funds can be sent as soon as the next business day after acceptance. It may take longer to receive funds.