Get a Personal Loan

Up to $40,000 with a monthly payment that fits your budget

Check Your Rate Won't impact your credit score

Nerdwallet Best Awards of 2025 - Discover Personal Loans Best Overall

From debt consolidation to home improvements, Discover® personal loans make it possible

x - x loans available

Perfect for debt consolidation, home improvements, and other big expenses.
Fixed rates

With fixed rates from x to x APR, you could lower your current payments, save interest on higher-rate debt, and pay off debt faster.
No 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, 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

Same-day decision in most cases

Most people get a decision the same day.

Your money, where you want it

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

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.

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.