Personal loan
Discover: personal loan terms and fees
Personal loans with flexible terms and restrictions on direct creditor payments.
Product details and conditions
Amounts and terms
Discover advertises $2,500–$40,000 with repayment terms of 36, 48, 60, 72 or 84 months.
Personal loan — official product terms ↓Published APR
The provider comparison table displays 6.99%–24.99% APR and says its comparison information runs through July 8, 2026. A personalized offer determines the rate available to you; verify current pricing before applying.
Personal loan — official product terms ↓Fees
The advertised new-loan offer states no fees for any customer. Existing loan agreements may have different terms.
Personal loan — official product terms ↓Debt payments
Direct creditor payment excludes Capital One accounts, including Discover cards, secured loans and post-secondary education loans or expenses.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24 · Document date: July 8, 2026 (comparison chart information cutoff)