I have been happy with Discover for decades, until now. I recently received an offer for a personal loan with rates "as low as 7.99%".
My husband and I make a good income, and have very stable job/homeowner status, and good debt-to-income ratio. I simply wanted to consolidate a couple of credit cards so I could close them and get rid of the revolving credit that weighs down my credit score (which is in the high 700's). The actual offer they came up with was for 14.99%. I've already wasted my time going through their "online" process (you still end up having to talk to a persistently pushy rep on the phone), but felt it important to warn off others.
DO NOT BOTHER WITH DISCOVER LOANS.