Discover Personal Loans Reviews

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Updated Jun. 05, 2026

By: Ashley Eneriz

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Edited by: Moriah Chace

About Discover Personal Loans

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Discover is a well-known credit card and banking company that also offers personal loans. Its personal loans range from $2,500 to $40,000, with repayment terms from 36 to 84 months. These loans can be used for many purposes, including debt consolidation, weddings, medical bills, dream vacations and home renovations.

Pros

No upfront fees
Lower minimum loan amount than some competitors
Funds loans as soon as the next day after approval

Cons

Requires $25,000 minimum household income
No co-signers allowed

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ConnieCedar Park, TX

StaffLoan Process

Reviewed May 17, 2013

I responded to Discover's invitation to apply for a personal loan at 6.99 percent, which ended up being 18.99 percent. I have excellent credit, which they congratulated me for in their invitation letter. Discover's loan marketing has all the earmarks of a 'Bait and Switch' racket if you ask me. I told them to keep their money and take me off their distribution list. What a terrible company to employ such people and practices!

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Discover Personal Loans Company Information

Company Name:: Discover Personal Loans
Website:: www.discover.com