Personal Loan and Line of Credit

Why ZenWalt

• Customizable loans from $3,000 to $100,000 and flexible terms from 12 to 84 months.
• Fixed interest rates and relationship discounts for qualified customers.
• No origination fee, no closing fee, and no prepayment penalty.
• Often on the same or next business day, if approved.
• Staying informed
• 24/7 on time services

Everyone's financial situation differs; it is important to recognize what you can comfortably afford to borrow. In general, the loan amount you can afford depends on four factors:

• Your debt-to-income ratio, which is your total monthly payments as a percentage of your gross monthly income
• The amount of cash you have available for a down payment and closing costs
• Your credit history
• The value of the property you are purchasing
• For a better understanding of how much you can afford to borrow, use Discover’s Affordability Calculator.

Repay a personal loan in terms of 12-84 months. Rates range from 5.74% to 19.99% Annual Percentage Rate (APR)5, which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. Representative example of repayment terms for an unsecured personal loan: For $12,000 borrowed over 36 months at 11.99% APR, the monthly payment is $399. This example is an estimate only and assumes all payments are made on time.

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