01Lender Identity
Personal loans described on this site are issued by Discover Bank, Member FDIC, operating under Capital One, N.A. following the May 2025 combination. Discover Bank is chartered in Delaware and supervised by federal banking regulators.
02Nationwide Lending Authority
As an FDIC-insured, federally supervised bank, Discover Bank lends under its bank charter in all 50 states and the District of Columbia. The 6.99%–24.99% fixed APR range, $200–$5,000 amounts, and zero-fee structure apply uniformly nationwide, subject to individual underwriting.
03Key Federal Disclosures
- Truth in Lending Act (TILA) — every offer includes the APR, finance charge, amount financed, and total of payments before you accept.
- Equal Credit Opportunity Act (ECOA) — we do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or public-assistance status. Equal Housing Lender.
- Fair Credit Reporting Act (FCRA) — rate checks use soft inquiries; adverse-action notices identify any consumer reporting agency used.
- Servicemembers Civil Relief Act (SCRA) — eligible servicemembers receive all protections provided by law.
04State Notices
| State | Notice |
|---|---|
| California | Loans made pursuant to Discover Bank's federal banking authority. California residents may contact the Department of Financial Protection and Innovation with complaints. |
| New York | New York residents may contact the New York State Department of Financial Services (1-800-342-3736) regarding consumer complaints. |
| Texas | This lender is not required to hold a Texas Regulated Lender license as an FDIC-insured depository institution. |
| Alabama / Nebraska | Minimum borrower age is 19. |
05Complaints
To file a complaint, email [email protected]. You may also contact the Consumer Financial Protection Bureau at consumerfinance.gov or 1-855-411-2372.