With a Discover® personal loan, you can

  • Pay down debt
  • Renovate your home
  • Make that big purchase

Check Your Rate Won't impact your credit score
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From debt consolidation to home improvements, Discover Personal Loans make it possible

  • x - x loans available
    Perfect for debt consolidation, home improvements, and other big expenses.
  • Fixed rates
    With fixed rates from x - x APR, you could lower your current payments, save interest on higher-rate debt, and pay off debt faster.
  • No fees
    No origination fees, no closing costs, no fees at all as long as you pay on time.
  • Flexible repayment terms
    Choose from multiple repayment options to fit your budget— 36, 48, 60, 72, or 84 months.

Trusted by over 2 million customers and counting.
Check your rate and see why.

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Check your rate before you apply. It takes minutes and won’t affect your credit score.

Check Your Rate

Your APR will be between x and x based on creditworthiness at time of application for amounts between $2,500-$40,000 and loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 11.99% APR for a term of 72 months, you'll pay just $293 per month. 

You must have a minimum individual or household annual income of $25,000, be over 18 years of age, and have a valid US SSN to be considered for a Discover personal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements.

Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select. State restrictions may apply.

For debt consolidation, even with a lower interest rate or lower monthly payment, paying debt over a longer period of time may result in the payment of more in interest. A Discover personal loan is intended for personal use and cannot be used to directly pay any Capital One account (including any Discover or Capital One credit card), secured loan, or post-secondary education loan or expense.

If your application is approved, we will send funds after you accept the loan. Your bank or creditor may take more days to process the funds.

After you check your rate, if you move forward with an application for a new Discover personal loan, you will need to consent to a hard credit inquiry that will appear on your credit report.