01Acceptance of These Terms
By accessing discoverloansusa.com you agree to these Terms of Use. If you do not agree, please discontinue use. These terms govern the website only; any loan you accept is governed by its own loan agreement, which controls in any conflict.
02Informational Content, Not Advice
Rates, payment examples, calculators, and articles on this site are provided for general information. Calculator outputs are estimates based on your inputs and our published 6.99%–24.99% APR range; they are not offers or financial advice. Actual offers are made only after an application and depend on your individual credit profile.
03Rate Checks and Applications
- Checking your rate uses a soft credit inquiry with no impact to your credit score.
- Submitting false information in an application is grounds for denial and may violate federal law.
- Loan approval is conditioned on verification of identity, income, and creditworthiness, and on eligibility requirements including age (18+, or 19 in AL/NE), U.S. residency, and $25,000+ annual income.
04Prohibited Uses
You agree not to: scrape or harvest content at scale; attempt to breach, probe, or overload our systems; misrepresent your identity; use the site to violate any law; or use loan proceeds for post-secondary education expenses or to pay any Capital One account, including Discover and Capital One credit cards.
05Intellectual Property
All site content — text, design, graphics, calculators, and code — is the property of Discover Financial Services or its licensors and is protected by copyright and trademark law. You may print or save pages for personal, non-commercial use only.
06Disclaimers & Limitation of Liability
The site is provided "as is." While we work to keep information current, we do not warrant that all content is error-free or uninterrupted. To the maximum extent permitted by law, Discover is not liable for indirect, incidental, or consequential damages arising from use of this website. Nothing in these terms limits rights you hold under your loan agreement or applicable consumer protection law.
07Governing Law & Changes
These terms are governed by the laws of the State of Delaware and applicable federal law. We may update these terms from time to time; the "Last updated" date above reflects the current version, and continued use after changes constitutes acceptance.