The Discover Personal Loan Good Credit is a personal loan from Discover Personal Loan. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is x - x. Approval typically requires a credit score of 740 or higher. Rewards: false. Typical credit limit: $2,500 - $40,000. Funding speed: Funds can be sent as early as the next business-day after acceptance.. Loan terms: 36, 48, 60, 72 and 84 months. Minimum annual revenue: $25,000/year. This product reports activity to your personal credit report. Application rules: Recon: (888) 676-3695 Recon Alt (community-reported, unverified): (800) 347-2683. No origination fee. Direct payment to creditors for consolidation. Same-day decisions. Terms 3-7 years.