Personal Loan Apply for Discover
No fees: Personal loans from $3,500 – $40,000 with no fees, ever. Our personal loans truly have no fees.
On-time payment reward: Pay your loan on time and in full every month for 12 consecutive months and you can skip a month. Interest will not accrue during this time, we’ll just extend your loan for one month.
Fixed APR: Fixed rates for the life of your personal loan. Our personal loans have fixed rates so you know exactly how much you owe each month. Rates range from 6.99% to 19.99% APR.
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AutoPay Discount: Receive a .25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details.
Rates range from 6.99% to 19.99% APR, and loan terms range from 36 to 72 months. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. Learn more.
Payment deferral: After making 12 or more consecutive monthly payments, you can defer one payment as long as you have made all of your prior payments in full and on time. We will waive any interest incurred during the deferral, and extend your loan by one month (you will pay interest during this extra month). Your payments resume as usual the month after the deferral. You must request a deferral at least 16 days before the payment you want to defer is due.
Get personal loan options in as few as 5 minutes
Step 1. Tell us about yourself We’ll customize your personal loan options based on your input.
Step 2. Choose your personal loan Explore your personal loan options, and pick one that suits your budget and time frame.
Step 3. Complete your application Add a few details to verify your identity and finalize your personal loan application.