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      2. Why get a personal loan from Discover

        Average Customer Rating
        choose dollar amount up to $35,000
        $0 fees

        No loan origination fees. No fees of any kind as long as you pay on time.

        flexible repayment timelines

        Fixed rates:
        6.99% to 24.99% APR

        Lock in your rate. Your monthly payment will never change.

        Choose your Monthly Payment
        Design your loan terms around you

        Use our?personal loan calculator?to design your loan around the loan amount and length.

        Choose your Monthly Payment
        Save money

        Pay off higher rate loans and credit cards. You can save hundreds - or even thousands - of dollars.

        How it works

        1
        Check your rate

        Get your?personal loan interest rate?with no impact to your credit score. Simply enter the amount and length of the loan you want to get started.

        2
        Apply in minutes

        Our highly trained loan specialists are ready to help you with the application 7 days a week.

        3
        Get funds fast

        Most get a decision the day they apply. If approved, you can have funds sent directly to you or to your creditors.

        Say goodbye to debt sooner

        Payoff Time:?6 years?with?one set monthly payment of $256

        Personal Loan from Discover

        $15,000

        Fixed Rate

        6.99% APR1

        Payoff Time:?Over?47 years?to repay with the minimum monthly payment2
        Higher Rate Debt
        $15,000 (Total Balance)
        Average Rate
        17.71% APR

        Estimate savings with our Debt Consolidation Calculator.

        1. Your APR will be between 6.99% and 24.99% based on creditworthiness at time of application for loan terms of 36-84 months. 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.

        2. Repayment timing estimate is based on a minimum monthly payment of 2% of the $15,000 balance or a minimum payment of $25, whichever is greater. Actual results may vary. Average APR is based on the national exchange found on www.creditcards.com as of 05/03/19.

        See how Discover's loan benefits compare

        Compare Discover's personal loan benefits with others
        Discover Personal Loans Lending Club Wells Fargo Prosper Funding

        Origination fees

        $0
        $827*
        $0
        $610*

        Flexible repayment terms -?36, 48, 60, 72 and 84 months

        Same-day decision in most cases

        Option to pay off creditors directly

        100% U.S.-based customer service

        Return loan funds within 30 days and pay no interest

        Free Credit Scorecard with your FICO??Credit Score, number of recent inquiries and more**,??

        *Origination fee estimates are based on average loan amount and average origination fee % listed in company filings (10-Q) for quarter ended March 31, 2019.
        **?Compared lenders may provide a FICO? Credit Score or other credit score and other credit information. See lender's website for further details.
        Comparison conducted by an independent research firm and based on data compiled in May 2019 from company websites, customer service agents, and consumer credit offers.
        ?FICO??Credit Score Terms: Your FICO??Credit Score, key factors and other credit information are based on data from TransUnion??and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO?Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

        +Expand

        We've helped more than 1 million people reach their goals

        Read Discover Personal Loans Reviews
        Nerd wallet

        A Winner for Best Personal Loans for Debt Consolidation

        ? 2018-2019 and TM, NerdWallet, Inc. All Rights Reserved.

        Discover Personal Loans has been nothing but a fast, simple, and professional process to acquire a loan that fit my needs. This being my second personal loan over the years has been nothing but a great experience with Discover. They were there when I needed them!
        Nancy59, March 2019
        Very easy, I would definitely recommend this to anyone who needs a little help.
        Nub72, March 2019

        You get much more than just a personal loan with Discover

        • check icon

          100% U.S.-based loan specialists to answer any questions.

        • check icon

          Easy account management online or on the Discover mobile app.

        • check icon

          Track your credit score, length of credit history, number of accounts and more.

        Ways to use a personal loan

        From planning a big event to facing an unexpected expense to consolidating debt, see all the ways to use a personal loan.

        Debt management tools and resources

        From helpful articles to loan payment calculators, we're here to help you understand your options and get better with money.

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