Loan Repayment Programs

Feeling stressed about your standard monthly payments?

We may be able to help you. Call us today to learn more about payment options.

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When making payments becomes difficult, Discover® Personal Loans wants to work with you.

If you call us at 1-877-256-2660, we can determine if you are eligible for a payment assistance program. Our repayment programs are intended to provide relief with your monthly personal loan payments so you can pay off your debt.*
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Payment deferral

How does it work?

Become current after making 3 consecutive standard monthly payments or the equivalent within 3 consecutive months. The amount past due will be delayed to the end of the loan term.

This could be a good option if you're behind on past payments, but can make your standard monthly payments going forward.

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Short term assistance

How does it work?

Temporarily make lower payments that will gradually increase in the last 3 months of the program to return to your standard monthly payment amount. The amount past due will be delayed to the end of the loan term. Then your account will become current.

This may be the right option for you if you've had a temporary change in your financial situation.

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Long term assistance

How does it work?

Make lower payments by extending your loan term, plus become current after program enrollment.

If you're experiencing a long-term hardship, this option may work for you.

Get More Help from the National Foundation for Credit Counseling

Consider addressing your debt with an independent party.

Life doesn't always go according to plan, and sometimes that means having more debt than you intended.

The NFCC provides credit and debt counseling including guidance on how to manage your money, solutions to financial issues and a plan to prevent future problems specific to your situation.

Call 1-800-388-2227 to speak with a certified credit counselor.

Need Help?

Please call us at



Our Loan Specialists can determine if you qualify for payment assistance options to help bring your account current.


*If your account has been active for at least 6 months.