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      Majority of debt consolidators told us they saved an average of $308 per month by consolidating debt with a Discover Personal Loan.

      Save Money on Loan Interest Rates
      Save money on interest
      With rates that are generally lower than the interest on your revolving debt, you can spend less on interest.
      Locked in a Fixed Loan Rate
      Lock in a fixed rate
      While other rates are on the rise, Discover lets you lock in a fixed rate. So your monthly payment won't change.
      Debt Consolidation Loans
      Simplify your bills
      Consolidate debt from credit cards, loans, and more into one monthly payment. We can even pay your creditors directly.
      With rates that are generally lower than the interest on your revolving debt, you can spend less on interest.
      While other rates are on the rise, Discover lets you lock in a fixed rate. So your monthly payment won't change.
      Consolidate debt from credit cards, loans, and more into one monthly payment. We can even pay your creditors directly.
      Know your rate first—checking won't affect your credit score. Check Your Rate

      Estimate savings with a debt consolidation loan

      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 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.

      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.

      Please call to speak with one of our dedicated loan specialists.

      We're here to help you evaluate your needs and your options. Give us a call:
      phone-icon
      Monday-Friday, 8am-11pm ET
      Saturday-Sunday, 9am-6pm ET

      <p>Based on your current situation, you could keep your monthly payment of <sup>$</sup></p> $ 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
      Check Your Rate

      Common questions about using a personal loan to help pay off debt

      See More FAQs

      Learn more about personal loans to consolidate debt

      Check out our Resource Center to find information and tools to help with debt consolidation.

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