Discover has a lower maximum loan amount and the starting APR is higher. However, at the top end of the scale, the rates are lower than Achieve. Discover also has more stringent applicant requirements. You need an excellent credit score to qualify. The only advantage of Discover is the lender has a completely digital application process. This speeds up approval decisions and you can typically receive funds within one business day. So, unless you are in need of quick cash and can meet the credit score requirements, Achieve is likely to be a better choice.