PenFed Auto Loan vs. Discover Student Loans
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover Student Loans
Discover Bank
4.4
APR 4.49–14.99%. No fees. Cash reward for good grades.
Full review →WealthSpott Verdict
PenFed Auto Loan wins on more measurable categories — particularly on rate and cost. Discover Student Loans may still be the right fit depending on your loan amount and term needs.
Feature
PenFed Auto Loan
Discover Student Loans
APR Range
5.99% – 17.99%
4.49% – 14.99% Best
Loan Amount
$500 – $150,000 Best
From $1,000
Term Length
36–84 months
120–180 months
Origination Fee
None
None
Min Credit Score
650+ Best
660+
Funding Speed
1–2 days
—
PenFed Auto Loan
Discover Student Loans
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