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Monday through Friday, 8 a.m. to
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Sunday, 9 a.m. to 6 p.m. EST.

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Discover® Personal Loan Application

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We're sorry, but your application cannot be completed online right now. Please try again later.

For further assistance with your loan application, please call Customer Service at 1-866-248-1255


Security Information

Date of Birth
Federal Law requires us to obtain and keep accurate records of personal information including date of birth.

Social Security Number
We use your social security number to check your credit history with a credit bureau. It helps us process your application quickly and efficiently and is protected by our high security standards.

Mother's Maiden Name
We may need to use your mother's maiden name to verify your identity should you contact us about your application or your account.


Where Do I Find This?

The first nine numbers from the left at the bottom of your check are your Bank Routing Number. This number is always nine digits.

check routing info

Total Annual Household Income

Except for full-time students, you must have a minimum annual household income of $18,000 to be considered for a Discover Personal Loan. For highest credit line, please include all sources of annual household income. Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.


Other Annual Household Income

Alimony, child support, spouse's income or separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for paying this obligation.


Is your name incorrect?

If your name is spelled incorrectly, or if you are married and your name has changed, please edit it in the application.

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Is your name incomplete?

Our online form allows 25 characters for your first name and 25 characters for your last name. If your name is longer than the numbers of characters allowed the form will display the first 25 characters.

Complete Application

Is your maiden name on your invitation?

You may still apply. Simply complete your application using your current legal name. Note: Our online form restricts last names to 25 characters. If your name is longer, it's ok, but only the first 25 characters will be displayed.

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Is the name on the invitation different from yours?

If the name on the invitation is not your name, you may not apply. The invitation is an offer of credit for the named person only. If you are not the intended recipient of this offer, please exit the application.

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Security Measures

Your online security is our highest priority. That's why we adhere to industry standard practices and employ the latest technology to guard your privacy at all times. Here are some of the ways we protect you:

128-bit SSL Technology
We use 128-bit Secure Socket Layer (SSL) to encrypt, or scramble, your personal information being sent over the Internet. This technology is the highest standard available, and makes it virtually impossible for someone else to access your information. To take advantage of SSL, we recommend you use an SSL-compatible browser.

A firewall is a filter used to determine whether information is allowed to travel from one network to another. Discover .com uses multiple layers of firewalls to block critical areas of our network from prying eyes.

System Monitoring
Intrusion detection devices installed throughout the site provide real-time alerts about system changes or attacks. They are monitored on a continual basis to ensure Account protection 24 hours a day, 7 days a week.

Important Information


Discover® Credit Protection - Important Information

Discover Credit Protection is a debt suspension agreement provided by Discover Bank. It is not insurance and will not pay off any of your loan balance.

This product is optional. Your purchase of Credit Protection is optional. Whether or not you purchase Credit Protection will not affect your application for credit or the other terms of any credit agreement you have with us.

Explanation of debt suspension agreement. If benefits are activated for a Covered Event (Involuntary Unemployment, Disability and Leave of Absence), we will not require any payment or impose any finance charges, late fees, or Discover Credit Protection fees in any monthly billing period in which benefits are provided. Your duty to pay the loan principal and finance charges to us is only suspended. Scheduled monthly installment payments will resume when benefits have ended, and your loan term will be extended for the number of monthly installment payments for which you received Discover Credit Protection benefits.

Eligibility requirements, conditions and exclusions. There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under Credit Protection. A complete explanation is in the following paragraphs of the Credit Protection Terms and Conditions: paragraph 3 "Important Limitations on Benefits During Benefit Period," the subparagraphs "Exclusions" under paragraphs 4.3, 5.3 and 6.3, and paragraph 7 "Retired, Self-Employed and Unemployed Borrowers." We will send you information including the Terms and Conditions before you have to pay. Please read it carefully.

Amount of fee. The monthly fee for $0.39 per $100 of the Amount Financed shown on your Truth in Lending Disclosure Statement will automatically be added to your Personal Loan monthly statement.

Termination of Discover Credit Protection. Enrollment will continue until you or we cancel or your loan is paid in full. You have the right to cancel Credit Protection at any time. If you cancel within 30 days of your enrollment date, we will refund your Credit Protection fee. We may cancel at any time, but will not reduce benefits you are already receiving.

Change in terms. We may change the Credit Protection terms and fees at any time. If we make a change that is unfavorable to you or involves an additional charge, we will give you advance written notice and a reasonable opportunity to cancel without penalty.

 It only takes a few minutes to finish your application.

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Do you need more time?

Enter your e-mail address and we'll send you a link to return to this application.

We will only use this e-mail address for the purpose of
providing you a link to an application on our Web site.

Need more time?

For your protection, all application sessions automatically time out after 30 minutes of inactivity.

If you would like to proceed, click the "Continue Now" button below.

If you would like to continue your application at a later date, we will send you a helpful e-mail reminder when it's more convenient for you.

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Clicking "Decline Loan" means you do not accept this loan.

If you change your mind, please call us at 1-866-248-1255 to accept the loan.

Decline Loan

Are you sure you do not want to register for the Discover Personal Loans Account Center?

By registering, you will be able to access your loan information and monthly statements in one convenient, secure online environment.


Discover Personal Loans Account Center

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