Embracing Change
Even during times of uncertainty, you are our top priority. Since 2008, our products and services have evolved to meet the needs of more than 5 million people online, in our stores, and over the phone. We will (always) continue to make changes to better serve you.

Keeping You Protected
We’re putting your safety first. In our stores, we continue to practice social distancing and enforce enhanced cleaning and safety protocols. Online, our secure network and McAfee® Secure and Norton Secured certifications keep your personal information safe.

Setting the Standard
Discover Financial Services USA complies with applicable federal, state, and municipal laws and regulations. We make sure the i’s are dotted and the t’s are crossed so you don’t have to. That’s the credit-karma USA way.

Caring For You
You deserve the best. And we’re here for you for whatever you need. Rely on our knowledgeable, friendly, and respectful staff.

Treating You Right

Discover Financial Services USA belongs to the Lenders Financial Association (OLA), which is a trade association that ensures borrowers are fully informed and fairly treated by making sure members adhere to their

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, a credit check, underwriting, and approval. Rates, terms, and conditions apply. Title loans are subject to minimum auto value requirements. See the associate for details. Lending decisions and funding times are subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short-term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counselling.

The credit decision on your application may be based in whole or in part on information obtained from a national database, including but not limited to TransUnion, Equifax, LexisNexis, or Factor Trust, Inc.

Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio, or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances are only available up to your approved credit limit; some restrictions may apply.

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, colour, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance programme; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agencies that administer compliance with this law concerning this creditor are the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20006; and the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Alabama: The minimum age to apply in Alabama is 19.

California: Discover Financial Services USA is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services, or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counselling before entering into any loan transaction.

New Mexico: Discover Financial Services USA is licenced and regulated by the New Mexico Regulation and Licencing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2%, or $2.50, for customers who get paid biweekly or twice a month, or 4%, or $5, for customers who get paid monthly, whichever is greater.

Texas: Discover Financial Services USA operates as a registered credit access business (CAB). The actual lender is an unaffiliated third party. Discover Financial Services USA engages in the money transmission and/or currency exchange business as an authorised delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705-4294.

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