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Discover Motiva(SM) Card

3.9% Intro APR*
Automatically get a Pay-On-Time BonusSM equal to a full month's interest each time you make 6 on-time payments in a row - twice a year, every year
5-20% Cashback Bonus* at top retailers through our exclusive online shopping site
Up to 1% unlimited Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from over 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
Free payment by phone
Timely e-mail reminders that help you avoid fees
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
No annual fee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Pay-On-Time Bonus equal to a full month's interest each time you make 6 on-time payments in a row-- twice a year, every year when you pay on-time every month.
Earn 5% to 20% Cashback Bonus® at top online retailers through our exclusive online shopping site and up to 1% Cashback Bonus on all other purchases.
You will also enjoy free payment by phone and $0 fraud liability guarantee. APPLY NOW!
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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DID YOU KNOW?

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Lenders offer loans for almost any purpose. You name it, they have it. You can obtain a car loan to buy a car, a home loan to buy a house, a debt consolidation loan for the purpose of debt consolidation, a holiday loan to pay for a holiday trip, and so on. Besides these, you may need money to fulfill some other needs for which you can obtain personal loans. Personal loans can also be used for the above mentioned purposes.

Personal loans are usually unsecured. However, lenders also offer secured personal loans. The main benefit of a secured personal loan is that it carries a low rate of interest. You have to offer your property as a security to obtain a secured personal loan. This reduces the risk for the lender since he can repossess your property if you default in repayment. Because of this, he can afford to charge a low rate of interest.

Besides a low rate of interest, secured personal loans have many other advantages. Lenders offer flexible repayment terms on secured loans, i.e. the loan terms can be adjusted to the borrower’s requirements. A longer loan period reduces the amount of monthly installments which becomes affordable for borrowers with a low salary. Another advantage of secured personal loans is that they are easily available. Since they are secured against property, lenders are more than willing to offer such loans.

You can take out a secured personal loan against the security of your house. Such a loan is also known as a homeowner loan. In this type of loan, your house is at the risk of repossession. Therefore, you must go for this loan only when you are confident that you will be able to repay the loan as per the loan terms. This loan is meant for those who are looking for a large amount of loan at a low rate of interest. If you are looking for a short term loan of a small amount, then you should go for an unsecured loan. In this situation, it is not worth putting your house at a risk.