How to Get a Personal Loan

You may need your employment information and income details, as well as your bank account information. If you're consolidating debt and want to pay creditors directly, you'll also need those account numbers and balances.

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.

Discover Personal Loans lets you check your rate before you apply. Your interest rate is determined by many factors, including your application information, your credit history, and the loan term you select.