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Find answers to commonly asked questions about BHG Financial.

Commonly asked questions

After your loan documents are signed by you (as well as any co-borrowers on the loan), a copy of your completed loan agreement is emailed to you via DocuSign.

Look for an email from DocuSign (docusign.net) and select “View Completed Documents” to access and download your agreement. We recommend saving a copy for your records.

Many loans allow additional payments or early payoff, though terms vary by loan product.

Your loan agreement outlines whether partial payments or early payoff are available, and how payments are applied to your balance.

Yes. Automatic payments are typically set up during the loan application and funding process, using the bank account you provided.

Your payment amount, withdrawal date, and bank details are included in your loan agreement. In most cases, no additional setup is required after funding.

If you need to update the bank account used for loan payments, this change is completed with assistance from our Client Services team to help protect your account security.

You may be asked to provide confirmation details (such as a voided check or bank letter) before the change takes effect. Bank updates typically apply to future payments, rather than payments scheduled in the immediate billing cycle.

Yes, depending on your terms it may be possible to refinance your loan—or you could potentially take out another loan. BHG Financial is happy to help you explore opportunities to access additional funds. Simply call 866-413-4669 to connect with a representative in our lending department.

Yes. You can have more than one loan with us. We develop long-standing relationships with our customers to provide them with the right short-term and long-term financial solutions now and in the future.

No. BHG Financial offers unsecured loans—that means you do not need to provide personal collateral, like your home, to secure a loan.

A personal loan is financing provided by a lender (such as an online financial services provider, a bank, or a credit union) that is intended to cover personal expenses and must be paid back over a predetermined period.

BHG Financial personal loans provide loan amounts up to $250,0001 and extended terms up to 10 years,1,2 making monthly repayment options affordable to fit your lifestyle.

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Not all solutions, loan amounts, rates or terms are available in all states.

Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders. Equal Housing Lenders icon

For California Residents: Personal loans made or arranged pursuant to a California Financing Law license - Number 603G493.