How you receive your funds is up to you. If you're consolidating debt, for example, DiscoverPersonal Loans can send the money directly to most of your creditors. Or you can receive funds in your bank account. If your application is approved, your funds can be sent as early as the next business day after acceptance. Once you have your money, you're free to start funding your goals, whether that's booking a flight to your dream destination, putting down the deposit on a wedding venue, or something else entirely.