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You could achieve more with a personal loan

  1. Make that big purchase
  2. Pay for live events
  3. Cover an unexpected expense
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Check your rate, no impact to your credit score.

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From major purchases to unexpected expenses, a Discover® personal loan is a dependable solution

  • x - x loans available
    Perfect for major purchases, life events or other big expenses.
  • x - x APR fixed rates
    With fixed rates mean your set monthly payment will never change.
  • No upfront 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, and 84 months.

Trusted by over 2 million customers and counting.

Review your options and see why.

Review Your Options

With a Discover personal loan, you get more

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Same-day decision in most cases

Most people get a decision the same day.
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Funds sent fast

Funds can be sent as soon as the next business-day after acceptance.
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US based customer service

Our dedicated, US based specialists are here to help. 

Ready to get started?

Review your options before you apply. It takes minutes and won't impact your credit score. 

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.