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Does anyone have experience with getting a personal loan through discover? I have been shopping around (without hard pulls) for a 28k personal loan to consolidate debt. Whether you’re applying for a mortgage, a personal loan, or a new credit card, the likelihood of getting approved—and the interest rate you’ll be offered—hinges significantly on. Borrow up to x and repay it over x to x years — it's your choice. Put more of your funds to work with no fees of any kind — as long as.