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Discover is a company that offers personal loans. With this lender, you will be provided with fixed rates and flexible payment options. You might need a personal loan to consolidate debt or to pay for other expenses. Whatever the reason, Discover is a lender to consider for your personal loan needs.

Discover provides you with a 30-day money back guarantee, so if you are not satisfied, there is no obligation to continue with the loan. The lender gives you the opportunity to search around to see if you can find something better. If you change your mind, just give the money back, and you will be charged nothing.

discover-personal-loan-reviewsDiscover offers loans for up to $35,000, and rates range from 6.99%-24.99%, depending on your credit rating. You are offered terms that range from 36 to 84 months. The longer your term, the more you will be paying in interest. You need to have pretty good credit in order to qualify for a loan. Discover approves loans with credit scores as low as 660.

If you need to change the date that your payment is due, Discover offers the option to switch dates. To apply for a loan, you must be at least 18 years of age and a citizen of the United States. Your income must be at least $25,000, and your credit score needs to be at least 660. You will not qualify for a loan if you have poor credit. If you want to consolidate debt, Discover can directly pay your creditors.

With Discover, there are no hidden fees. You will not pay closing fees or origination fees. You want to make sure you make payments on time because you will be charged $59 for any late payment. Automatic payments are available. You can apply online, or you can apply over the phone. You will be asked information about your employment and income. You might need to provide pay stubs or bank statements. You will receive a decision before the day is complete, and you will receive your funds within 3 business days.

Discover offers some of the best personal loans on the market. In many cases, these loans beat other banks and online loan offers. It is available in all 50 states. Discover is a lender that is highly recommended for a personal loan.