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Discover personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 77.8%

• APR6.99%–24.99% discover.com, 2026-10-12
• Origination fee0% discover.com, 2026-10-12
• Terms36 months–84 months discover.com, 2026-10-12
• Loan amountsnot found discover.com, 2026-10-12
• Minimum credit scorenot published (not found) discover.com, 2026-10-12

Note: Origination fee not shown on rendered page (not found)

Fees: 'No fees of any kind' (no origination fee): official page (as of 2026-10-12)

Complaint record (CFPB)

• Complaints, last 12 months3,371
• Trend▼ 61.5% (last 12 mo 3,371 vs prior 12 mo 8,752)
• Timely response (last 36 mo)100.0%
• Top issueIncorrect information on your report
• Insurance statusFDIC record for Discover Bank: not found

Company-level (DISCOVER BANK), all products, as of 2026-10-12. Discover complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 9.0/10Lowest APR 6.99%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 6.9/10Max APR 24.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 10/10Origination fee up to 0%. Score = 10 − max fee %.
• Term range 8.0/10Terms 36–84 months. Score = span/6 months, max 10.
• Max loan amount 5.0/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)

0.200×9.0 + 0.200×6.9 + 0.200×10 + 0.200×8.0 + 0.200×5.0* = 7.78 → 77.8% (* unknown, imputed)

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FAQ

What APR does Discover charge?

6.99%–24.99% discover.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.