Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more

Compare Discover®️ vs. Fiona Personal Loans

What’s the difference between Discover®️ Personal Loans and Fiona Personal Loans? See how our editors compare the two companies below.
Last Updated: April 25, 2024
Fiona Personal Loans
4.2 / 5 - Excellent
#4 in Personal Loans
vs

Key Facts

  • Fixed-rate personal loans for $2,500 - $35,000.
  • Check your rate with no impact to your credit.
  • No origination fees, closing costs, or pre-payment penalties. Funds sent the next business day after you accept loan.
  • Loan terms from 3 - 7 years.
  • Rates ranging from 6.99% to 24.99% APR.
  • Loans from $1,000 to  $250,000 available
  • Rates from 2.49% to 35.99%APR 
  • Loan terms from 2 to 7 years
  • See if you're pre-approved instantly. Loan search is free and will NOT affect credit score.
  • Use the funds for debt consolidation, home renovation, large purchases, unexpected expenses and more.
  • Funding as soon as next business day.

Sample loan: a four-year $9,500 loan with an interest rate of 15.49% and an APR of 18.34% will require an estimated monthly payment of $266.76 and a total cost of $12,804.37.


OVERALL RATINGS

 Discover®️Fiona
Flexibility0.0/54.0/5
Interest Rates0.0/54.5/5
Discounts & Fees0.0/54.0/5
Customer Service and Reputation0.0/54.5/5

Discover®️ Loan Specifics

Loan Uses

 Discover®️Fiona
Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Wedding
Moving/Relocation
Vacation
Start Business
Education
Taxes
 Discover®️Fiona
Loan Minimum
2500
$1,000
Loan Maximum
$35,000
$250,000
Term Length
36 - 84 months
2 to 7 Years
Pay Creditors Directly
Yes
Yes
Decision Time
Same day
Just a few minutes
Disbursement Time
Next business day, assuming no errors on your application
Next business day

Representative Loan Sample

A customer who borrows $5,000 on a 36-month repayment term and at a 10% APR will make monthly payments of $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24.

Discover®️ Qualification

 Discover®️Fiona
Personal Income Considered
Yes
Yes
Verify Bank Account
Yes
Yes
U.S. Citizen
No
Yes
Hard Credit Pull
No
No

Alternative Factors to Credit Score Considered


Discover®️ Cost of Loan

 Discover®️Fiona
APR Range
6.99% to 24.99%
2.49% - 35.99% APR
Origination Fee
$0
Depends on lender
Missed Payment Penalty
$39
Depends on lender

*


Discover®️ Reputation

 Discover®️Fiona
Type of Institution
Other Financial Institution
Marketplace
Year Founded
1960
2015
BBB Rating
A+
Number of BBB Positive Reviews
5
Number of BBB Negative Reviews
42
Trust Pilot Rating
8.3 out of 5
Consumer Financial Protection Board (CFPB) Complaints
There are only a small handful of CFBP complaints about Discover's personal loan services, none of which suggest any dishonesty.
Date Collected
2018-03-09

Disclaimer


 Discover®️Fiona
Headquarters Address
P.O. BOX 6105, Carol Stream, IL, 60197
43 W 24th Street, Fl 5, New York, NY, 10010
Homepage URL

Final Verdict

Fiona Personal Loans has a higher overall rating than Discover®️ Personal Loans. Fiona scores better than Discover®️ across: Flexibility, Interest Rates, Discounts & Fees, and Customer Service and Reputation. However, Discover®️ scores better on Qualifications & Flexibility. Both companies score similarly on Loan Specifics, Costs, Interest Rates, Discounts & Fees, and Customer Service and Reputation.


Customer Comments & Reviews

swtijgdsh
11/24/2021
Discover®️ Personal Loans review
Worked out well, after initial reviews. They had more verfication requirements but the terms and customer service has been good.


W
william w
9/11/2018
Discover®️ Personal Loans review
I can only speak on my experience with Discover personal loans and give them my highest ratings! Process from start to finish was simple, quick, and easy!


W
William S
2/6/2018
Fiona Personal Loans review
I cannot comment because I have no experience for this provider. I could comment if loan is approved.


J
Jennifer
12/8/2017
Fiona Personal Loans review
I understood everything well.


R
Rd
11/24/2016
Fiona Personal Loans review
Easy process and simple to use. Highly recommended for you personal loan needs. I was able to find a lender and secure a loan quickly.


J
Jonathan
11/15/2016
Fiona Personal Loans review
Straightforward process, very transparent and easy to understand rates and terms.


X
XianGaM
8/23/2016
Discover®️ Personal Loans review
Quick and easy process auto-pay and no surprises works good for me


C
Credit A
6/29/2016
Discover®️ Personal Loans review
I was quickly approved for a loan that I will be using to consolidate of a couple of credit cards. Process went very smoothly! I will be able to make one payment at a much lower interest rate now! Very happy with that. For those that are not getting approved, it is not the company....it is more than likely your credit history. If you are someone who pays your bills on time and have a decent income to debt ratio you should be just fine. If you have a crappy credit score.....good luck.