Discover

Overview

We’ve always believed in giving our customers the best service. When we introduced our cash rewards credit card in 1986, we committed ourselves to meeting the needs of our cardmembers with the best possible customer service – and we still stand by that commitment today. We’re building our company by listening to consumers and developing products and programs that help them get the most for their money. Beyond credit cards, our banking and payments businesses offer rewarding products backed by that same commitment to high-quality service that we have had from the start.

Discover Global Network (DGN), the payments brand of Discover Financial Services, connects three payment networks, Discover Network, PULSE, Diners Club International, and more than 10 Alliance Partners from around the world, enabling millions of cardholder transactions each day. To help people spend smarter, manage debt better, and save more so they achieve a brighter financial future. You need us, you’ve got us. Day or night. We’re here to answer questions or take your feedback. You can call and talk to a representative in the U.S. anytime.

Loan Features

We provide banking and credit products that help people achieve their goals–from establishing good credit, to paying for a college education to consolidating debt. In payments, our networks connect banks, cardmembers and merchants around the world with innovative commerce solutions.

Discover offers:
1. Personal loans – Personal loans are unsecured loans used to consolidate debt or pay for life’s big events. With a fixed rate and fixed term, personal loans could help you save hundreds—or even thousands—of dollars by eliminating higher-interest debt. A Discover personal loan, which has no origination fees, may be an ideal solution for people with good credit and a strong financial history. Need to eliminate higher-interest debt or finance a major life event? Get a fixed rate loan up to $35,000 with no origination fee.

A common use for a personal loan is to consolidate debt. But there are many uses for a personal loan. For example, you could use a personal loan for financing a trip to Europe, a dream wedding or home appliances. Besides funding a major purchase, a personal loan could help you manage major expenses, such as medical bills or moving costs.

2. Student loans – Discover Student Loans believes in responsible borrowing and encourages students to maximize scholarships, grants and other free financial aid before taking private loans. For students who need to borrow, we advise them to compare federal and private student loans to find the loans that best fit their needs.

3. Home equity loans – A simple way to consolidate debt, make home improvements, and pay for other major expenses with loan amounts from $25,000 to $150,000, terms 10, 12, 15 or 20 years, and no closing costs.

Application Process

You can start the process anytime. Select a loan amount and term and find out your personal loan interest rate. Once you get your interest rate, apply for the loan either online or over the phone. You could receive a decision in minutes. If your application is approved, your funds can be sent as early as next business day after acceptance.

Interest rates are determined by many factors such as your credit history, application information, and the term you select. While your personal loan interest rate is important, you should consider the overall cost of the loan. For example, origination fees and closing costs reduce the amount of the loan proceeds you receive. At Discover, we offer competitive, fixed rates and no fees as long as you pay on time. Ultimately the interest rate you get could help you consolidate debt as well as save on overall interest.

Repayment Terms

Student loans with great rates
Plus get a cash reward for good grades
Variable Rates
4.62% – 11.87% APR
Fixed Rates
6.49% – 12.99% APR

Home equity loans
Loans from $35,000 to $150,000
10, 12, 15 or 20 year plans
Fixed rates starting at 4.99% APR

Personal Loans:
Fixed rates:
6.99% to 24.99% APR
Lock in your rate. Your monthly payment will never change.

Customer Support

1-866-248-1255
Monday-Friday, 8am-11pm ET
Saturday-Sunday, 9am-6pm ET

P.O. BOX 30954
SALT LAKE CITY, UT
84130-0954

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