Discover Personal Loans vs. Upstart Personal Loan
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
Upstart Personal Loan 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
Upstart Personal Loan
APR Range
7.99% – 24.99%
6.40% – 35.99% Best
Loan Amount
$2,500 – $40,000
$1,000 – $50,000 Best
Term Length
36–84 months
36–60 months
Origination Fee
None Best
0–12% of loan amount
Min Credit Score
660+
300+ Best
Funding Speed
Next business day
1 business day
Discover Personal Loans
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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