Ease Reengagement

Another Discover® personal loan could make even more possible

As a valued customer you're invited to apply for another loan
You could borrow up to $40,000 in total funds
If approved, you'll manage your loan using the Discover website and app.

Check your rate No impact to your credit score.

Discover Personal Loans in part of Capital One, and our commitment to your hasn't changed

$2,500 - $40,00 loans available

Borrow the money you need for debt consolidation, home improvements, and other big expenses.
Flexible payment terms

Choose from multiple repayment options to fit your budget: 36, 48, 60, 72, or 84 months.
Fixed rates

With fixed rate from 7.99% - 24.99% APR, you could lower your current payments, save interest on higher-rate debt, and pay debt off faster.
Your money, where you want it

We can pay many of your creditors directly or send the money straight to your bank account.
No fees.

Put more of your funds to work with no fees of any kind.
Timely decisions and delivery

Most people get a decision the same day. And funds can be sent within 24 hours of acceptance.

Check your rate

Here's how your new loan will work:

When you apply for a new Discover personal loan, we'll make a soft credit inquiry - without impacting your credit score - to determine the rate you qualify for. Depending on the rate, you get, you'll either:

Continue with one loan

If you qualify for the same or lower rate as your current loan, we'll combine your existing loan, plus the extra funds you want, into one new loan with just one monthly payment.

Add a second loan

If you qualify for a rate that is higher then the rate for your current loan, we'll open a second loan for the additional funds. There will be no change to your current loan and you'll make two loan payments every month moving forward.

Check Your Rate

How we calculate our ratings

Check your rate

Check eligibility

Check the rates you qualify for with no impact to your credit score

Review offer and apply

After recieving you loan offer, submit your application to lock in your rate.

Funds sent fast

Have your money sent as soon as the next business day if you're approved.

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.

Another Discover® personal loan could make even more possible

Discover Personal Loans in part of Capital One, and our commitment to your hasn't changed

$2,500 - $40,00 loans available

Flexible payment terms

Fixed rates

Your money, where you want it

No fees.

Timely decisions and delivery

Here's how your new loan will work:

Continue with one loan

Add a second loan

Over 3 million people have chosen Discover Personal Loans

How we calculate our ratings

It's simple to get started

Check eligibility

Review offer and apply

Funds sent fast