Your bank or creditor may take more days to process the funds. If your application is approved, we will send funds after you accept the loan. A Discover personal loan is intended for personal use and cannot be used to pay for post-secondary education, to pay off a secured loan, or to directly pay off a Discover credit card. The first payment can be larger than later payments. Firstly, banks can add an administration fee. The payment amount will rarely match the one provided by a bank. State restrictions may apply.įor debt consolidation, even with a lower interest rate or lower monthly payment, paying debt over a longer period of time may result in the payment of more in interest. This loan calculator works out the rough monthly payment you will make on a personal loan or mortgage. Many factors are used to determine your rate, such as your credit history, application information and the term you select. Our lowest rates are available to consumers with the best credit. You must have a minimum individual or household annual income of $25,000, be over 18 years of age, and have a valid US SSN to be considered for a Discover personal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements. Your APR will be between x and x based on creditworthiness at time of application for loan terms of x- x months.
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