Discover Personal Loan: borrow with confidence, enjoy zero fees, and take control of your finances

Fixed rates, fast funding, and full transparency—from one of the most trusted names in finance

Discover Personal Loan: borrow with confidence, enjoy zero fees, and take control of your finances

You deserve a personal loan that respects your goals. Discover gives you just that—with no fees and fast access to funds.

Borrow up to $40,000 and pay it off your way—on a schedule that fits your life.

About Discover:

Discover is one of the most recognized names in U.S. banking and credit, offering consumer financial services built on trust, clarity, and support. Their personal loans are issued by Discover Bank, a division of Capital One, N.A.

In addition to personal loans, Discover offers a full suite of financial tools—from credit cards to savings accounts—designed to help people reach their financial goals with confidence.

Main characteristics of Discover Personal Loan

  • Loan amounts from $2,500 to $40,000
  • APRs from 7.99% to 24.99%
  • Terms from 36 to 84 months
  • $0 in fees—no origination, late, or prepayment fees
  • Funding as soon as the next business day

Disadvantages

  • Cannot be used to pay Discover or Capital One credit cards
  • Minimum income requirement of $25,000 annually

Here is advice for you

If you’re looking for a straightforward loan from a reputable institution, Discover is a top-tier choice. The zero-fee policy alone sets it apart from most lenders—and makes your loan more affordable right from the start.

Add in fast funding, fixed rates, and flexible terms, and you get a loan that works for you, not against you. Whether you want to consolidate high-interest debt or fund a big life event, Discover helps you do it with confidence.

Requirements to apply for this loan

  • Be at least 18 years old
  • Valid U.S. Social Security Number
  • Annual individual or household income of at least $25,000
  • Meet Discover’s credit and debt-to-income criteria

How to apply for the loan

  1. Visit the Discover Personal Loans website
  2. Click “Check Your Rate”
  3. Fill out your basic info to prequalify
  4. Review available loan offers
  5. Submit your application and documentation
  6. Accept the offer and receive your funds

Apply for your Loan

The Discover Personal Loan is one of the most transparent, fee-free personal loans available today—trusted by thousands of borrowers across the country.

Click below and check your offer with no impact to your credit score.

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