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Find your financial freedom

See how much you could save with a Discover® personal loan.
 
Get started today by checking your rate, with no impact to your credit score.
$
Amount must be between x and x
Check your rate, no impact to your credit score.

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Try our personal loan calculator

Estimate monthly payments to find a personal loan that works for you.
See what your payments could be

Estimated Monthly Payment

$415

8.99% APR

$24,900 Total Cost

Tab down to learn more on how your inputs affect the payment and APR.

$20,000

$2,500
40000

60 Months

36
84

740

660
850

How your details affect the payment and APR

  • Higher loan amounts can raise your APR and increase your payment
  • Longer loan terms can raise your APR and increase your payment
  • Higher credit scores can lower your APR and decrease your payment

Questions? Call us at 1-866-248-1255

Any results are estimates, and we do not guarantee the applicability or accuracy to your specific circumstance.

Results are calculated based on Discover application data as of 11/6/2024.

Using a loan to consolidate debt? Estimate Savings

 

A Discover personal loan gives you options

  • x - x loans available
    Perfect for debt consolidation, home improvements, and other big expenses.
  • Lower your current payment
    Fixed rates from x to x APR, you could lower your interest rate—so you can pay off your higher-rate debt faster.
  • No fees
    No origination fees, no closing costs, no fees at all as long as you pay on time.
  • Flexible repayment plans
    Choose from multiple repayment options to fit your budget— 36, 48, 60, 72, or 84 months.

Trusted by over 2 million customers and counting.
Check your rate and see why.

Check Your Rate

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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Your money, where you want it

We can pay many of your creditors directly or send the money straight to your bank account.
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US based customer service

Our dedicated, US based specialists are here to help. 

Ready to get started?

Check your rate before you apply. It takes minutes and won’t affect your credit score.

Check Your Rate

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 12.99% APR for a term of 72 months, you'll pay just $301 per month. The estimated total cost of the loan in this example would be $21,672.

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.

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.