01Information We Collect
To provide personal loans we collect information you supply directly (name, address, Social Security number, income, employment, bank account details), information from consumer reporting agencies (credit reports and scores, via soft inquiry at rate check and hard inquiry only upon acceptance), and technical information generated by your use of this site (device type, IP address, pages viewed, and cookie identifiers).
02How We Use Information
- Underwriting and servicing — evaluating applications, verifying identity and income, funding loans, processing payments, and providing customer support.
- Legal compliance — meeting obligations under the Truth in Lending Act, Equal Credit Opportunity Act, Bank Secrecy Act, and related regulations.
- Credit reporting — furnishing payment history to the major consumer reporting agencies.
- Improvement and communication — improving our products and, with your consent, sending rate updates and offers you can opt out of at any time.
03What We Never Do
We do not sell your personal information to third parties, and we do not share it with unaffiliated marketers. Information is shared only with service providers under contract (payment processors, identity-verification services), consumer reporting agencies, regulators, and as required by law.
04Cookies & Analytics
This site uses strictly necessary cookies for core functionality and analytics cookies to understand aggregate usage. Analytics data is not tied to your loan file. You can disable non-essential cookies in your browser without affecting your ability to apply.
05Your Rights & Choices
- Access and correction — request a copy of the personal information we hold and correct inaccuracies.
- Deletion — request deletion of data we're not legally required to retain (loan records carry statutory retention periods).
- Marketing opt-out — unsubscribe from any marketing email in one click; servicing communications about an active loan will continue.
- State rights — residents of California, Colorado, Virginia, and other applicable states may exercise additional rights under state privacy laws using the contact below.
06Data Security & Retention
Data is protected with bank-grade encryption in transit (TLS 1.2+) and at rest, access controls, and continuous monitoring, under the security standards applicable to Discover Bank, Member FDIC. Application and loan records are retained for the periods required by federal and state law, then securely destroyed.