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      To estimate your savings, select a credit range and enter your outstanding debts

      How's Your Credit?
      Please select score
      1
      Current Debt
      $
      Enter your current debt
      Current APR
      %
      Enter the current APR
      Monthly Payment
      $
      Enter the last monthly payment made Monthly payment should be lower than current balance

      Let's see what debt consolidation could do for you

      Your Credit

      Total Debt

      $

      Average APR

      %

      Total Monthly Payments

      $

      Based on your selection of credit, we are unable to provide you with a savings calculation.

      A minimum credit score of 660 is required to qualify for a Discover Personal Loan. You can read more about the importance of your credit history on our?Resource Center.

      Call to speak with a dedicated loan specialist and evaluate your options.

      We're here to help you evaluate your needs and your options. Give us a call:

      Based on the information entered, consolidating debt with Discover Personal Loans may not save money or time

      Call to speak with a dedicated loan specialist and evaluate your options.
      phone icon
      Monday-Friday, 8am-11pm ET
      Saturday-Sunday, 9am-6pm ET

      Based on your current situation, you could keep your monthly payment of $ and:

      SAVE MONEY
      Save up to

      $

      in interest
      SAVE TIME
      Pay off debt

      months

      sooner
      Results based on a Discover Personal Loan with % APR for months.
      How did we calculate this result?

      This is just an estimate.?Adjust the slider to see how different credit scores can affect your savings.

      Good Very Good Exceptional

      Your APR will be between 6.99% and 24.99% APR based up on creditworthiness at time of application.

      Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. For customers with less than Good credit, a Discover Personal Loan may not be the right debt consolidation solution.

      Find out if you prequalify today

      Check your rate before you apply—it won't affect your credit score

      Check Your Rate

      How low could monthly payments be? Estimate payments with our?Personal Loan Calculator

      Here's how a Discover personal loan can help you consolidate debt and save

      Lock in a Fixed Loan Rate
      Lower your interest rate
      Rates from 6.99% to 24.99% APR can help you save on interest.
      Choose your Monthly Payment
      Make one fixed payment a month
      Combine multiple higher interest bills into one easy monthly payment.
      No Loan Origination Fees
      Pay off creditors directly
      And say goodbye to all those bills from credit cards, store cards and more.
      Rates from 6.99% to 24.99% APR can help you save on interest.
      Combine multiple higher interest bills into one easy monthly payment.
      And say goodbye to all those bills from credit cards, store cards and more.

      Common questions about debt consolidation loans

      See More FAQs

      Learn more about debt consolidation and money management

      From the first time you consider a loan to the moment you finish paying it off, you’ll find helpful articles and tools in our Resource Center.

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