Use your loan to cover planned or unexpected home expenses

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Renovate and remodel

Ready for an update? Use your personal loan to renovate your kitchen, bath and more.
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Repair and rebuild

Stay on top of routine maintenance and home repairs with help from a personal loan.
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Cover emergency expenses

Homeownership can come with some big unexpected expenses. A personal loan is there to help.
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Start your project sooner with a personal loan from Discover

  1. Check your rate in minutes.
  2. Complete the application and get a same-day decision in most cases. 
  3. Funds can be sent as soon as the next business day after acceptance.
Review Your Options

Why get a personal loan from Discover

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Skip the fees

No origination fee. No prepayment penalty. No fees of any kind as long as you pay on time.
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Know your monthly payment

Lock in a fixed rate and your set monthly payment won't change.
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No collateral required

Since the loan is unsecured, you don't have to borrow against the value of your home.

It's easy to get started with a Discover personal loan

Review Your Options

Your APR will be between x and x based on creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 13.99% APR for a term of 72 months, you'll pay just $309 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 pay for post-secondary education, to pay off a secured loan, or to directly pay off a Discover credit card.

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.