How much could you save?

Loans from $2,500 - $40,000

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

  • Recuring Dollar

    Flexible repayment terms

    Choose a repayment term from 36, 48, 60, 72 and 84 months.

  • Lock Percent

    Fixed rates

    Lock in a rate that won't change for the life of the loan and save on interest when you consolidate higher-rate debt.

  • Dollar Consolidate

    Simplified finances

    Consolidate debt from credit cards, store cards, medical bills and more into one set regular monthly payment.

  • Funds Sent Fast

    Funds sent fast

    We can pay many of your creditors directly or send the money straight to your bank account. Funds can be sent as soon as the next business day after your acceptance.

Check your rate with no impact to 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.