Discover Personal Loans vs. PenFed Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover Personal Loans
Discover Bank
4.4
APR 7.99–24.99%. $2.5K–$40K. No origination fee.
Full review →
WealthSpott Verdict
PenFed Student Loan Refinance wins on more measurable categories — particularly on rate and cost. Discover Personal Loans may still be the right fit depending on your loan amount and term needs.
Feature
Discover Personal Loans
PenFed Student Loan
APR Range
7.99% – 24.99%
5.49% – 9.99% Best
Loan Amount
$2,500 – $40,000
$7,500 – $300,000 Best
Term Length
36–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+ Best
670+
Funding Speed
Next business day
3–4 weeks
Discover Personal Loans
PenFed Student Loan Refinance
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