Original research
Discover personal loans: what to check before you borrow
What to check
Discover: the sources checked show no fee for making this loan. You still need to check interest and other charges. The legal lender listed in this record is Capital One, National Association. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: 0%. Treatment: none.
- Legal lender: The current terms identify Capital One, N.A., through its Discover division, as the maker of Discover Personal Loans.
- State access: not fully established.
- Still unclear from public sources: hard pull stage
These terms may not match your offer
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| What to check | Published information |
|---|---|
| Product | Discover Personal Loan |
| Provider role | direct lender |
| APR | 6.99% to 24.99% |
| Origination fee | 0% |
| How the fee is charged | none |
| Loan amount | $2,500 to $40,000 |
| Loan length | 36, 48, 60, 72, 84 months |
| State or access rule | United States subject to eligibility; minimum individual or household annual income is $25,000 |
With no origination fee, the loan amount can match the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | no fee variant | 0% | $5,000 | $0 | Yes |
| $10,000 | no fee variant | 0% | $10,000 | $0 | Yes |
| $20,000 | no fee variant | 0% | $20,000 | $0 | Yes |
The legal lender may differ from the brand
Brand or platform: Discover, a division of Capital One, N.A.
Legal lender: Capital One, National Association
Servicer: Capital One, National Association
The current terms identify Capital One, N.A., through its Discover division, as the maker of Discover Personal Loans.
Public borrower data describes a group, not you
Where the evidence centers: prime center. Evidence type: active portfolio fico distribution. Confidence: medium.
Capital One reported that 94% of domestic personal-loan held-for-investment balances had refreshed FICO scores above 660 at year-end 2025.
People covered: Capital One domestic personal loans held for investment. Period end: 2025-12-31.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| active portfolio | B | Domestic personal loans held for investment by Capital One at year-end 2025, including the acquired Discover business | 2025-12-31 | Not reported | This is a period-end balance distribution, not an origination cohort. The portfolio may include personal loans not originated through the current Discover shelf. A refreshed FICO distribution cannot establish approval odds or offered APR for an individual applicant. |
Your state or membership can change the answer
United States offering subject to eligibility.
Public map status: not fully established. Named as included: We could not confirm this. Named as excluded: We could not confirm this.
No named state-specific rule is recorded in the reviewed sources.
Confirm every answer the public pages leave open
- hard pull stage
- full state matrix
- complete availability list
- state-specific amount or term limits
- Discover, a division of Capital One, N.A.: Personal Loans. official product page; checked 2026-09-05. Current product comparison, calculator, FAQ, and disclosures; APR, amount, term, no-fee rule, direct pay, eligibility, and soft inquiry
- Discover, a division of Capital One, N.A.: Terms and Conditions. official terms; checked 2026-09-05. Creditor identity and personal-loan terms
- Capital One Financial Corporation: Annual report for the year ended December 31, 2025. sec filing; checked 2026-09-05. Domestic personal-loan held-for-investment refreshed FICO distribution; 94% above 660, 3% at 621-660, and 3% at or below 620
- Discover, a division of Capital One, N.A.: Debt Consolidation Loans. official product page; checked 2026-09-05. Credit-orientation language and consolidation-product limitations
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.