Personal loans
Customized financing to consolidate high-interest debt and unlock financial flexibility.
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Customized financing to consolidate high-interest debt or fund major purchases or expenses.
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Personal loans
Apply for a personal loan up to $250,0001
Apply for a personal loan up to $250,0001
Large personal loans with flexible terms up to 10 years,1,2 affordable rates, and a fixed monthly payment.
This won’t impact your credit score!3
Ways to use your funds
Large personal loan options for a range of uses
Check out personal loan options tailored to your financial needs.
Debt consolidation
Combine multiple debts into a single, fixed monthly payment–making it easier to manage what you owe and plan ahead.
Home improvement
Finance renovations or repairs with a personal loan—no home equity or collateral needed.
Credit card consolidation
Roll multiple credit card balances into one fixed payment with a clear path to payoff and greater peace of mind.
This won’t impact your credit score!3
Why get a personal loan from BHG Financial?
Why get a personal loan from BHG Financial?
Low, fixed rates
APRs as low as 6.49%1
Large loan amounts
Large loan amounts up to $250,0001
Flexible loan terms
Terms between 2 and 10 years1,2 to help meet your monthly payment goal
Flexible loan terms
Terms between 2 and 10 years1,2 to help meet your monthly payment goal
Soft credit pre-qualification
Apply without impacting your
credit score3
No collateral required
Large, unsecured personal loans that don’t require you to use your home as collateral.
Flexible loan terms
Terms between 2 and 10 years1,2 to help meet your monthly payment goal
25+ years in business
We've provided financial solutions for decades
with an A+ rating from the BBB
Low, fixed rates
APRs as low as 6.49%1
Large loan amounts
Large amounts up to $250,0001
Flexible loan terms
Terms between 2 and 10 years1,2 to help meet your monthly payment goal
Soft credit pre-qualification
Apply without impacting your
credit score3
No collateral required
Large, unsecured personal loans that don’t require you to use your home
as collateral.
25+ years in business
We've provided financial solutions for decades with an A+ rating from the BBB
How to get a personal loan from BHG Financial
Check eligibility
Check your eligibility in seconds4—no impact to your credit score.3
Check eligibility
Check your eligibility in seconds4 — no impact to your credit score.3
Customize your loan
You will be directed to a secure portal to submit documents, and a finance manager will follow up to finalize your loan.
Receive funds fast
If approved, you will receive your funds in one lump sum in as few as 5 days.4
Prequalify
Prequalify with no hard credit check. Get an approval decision is as little as 24 hours4 and see your loan options without any impact to your credit score.3
Estimate your monthly payment
Qualified borrowers can access fixed APRs as low as 6.49%1, helping make monthly payments more predictable over the life of the loan.
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Compare loans through BHG Financial vs competitors
Compare loans through
BHG Financial vs competitors
|
|
|
SoFi |
LightStream |
Upstart |
|---|---|---|---|---|
|
Max loan amount |
$250,0001 |
$100,000 |
$100,000 |
$75,000 |
|
Max loan term |
10 years1,2 |
7 years |
7 years |
5 years |
SOURCE: SoFi, LightStream, Upstart
Max loan amount
$250,0001
Max loan term
10 years1,2
Compare to other lenders
This won’t impact your credit score!3
Max loan amount
$100,000
Max loan term
7 years
Max loan amount
$100,000
Max loan term
7 years
Max loan amount
$75,000
Max loan term
5 years
Learn more
Learn more
Personal loan FAQs
Personal loan FAQs
Personal loan FAQs
Learn more about personal loans.
A personal loan can cover a wide range of financial needs. At BHG Financial, we work with high-earning individuals who often have complex financial goals, so whether you're simplifying your debt or investing in your home, we can tailor a solution to fit your situation.
Yes, BHG Financial lets you prequalify online for a personal loan in seconds4 using a soft credit inquiry, which means your credit score is not affected.3 You'll see your personalized options based on your financial profile, with no application fee and no commitment required.
No, personal loans through BHG Financial don’t include a prepayment penalty, so you can pay off your loan early without being charged for it. Whether you want to stick to your scheduled payments or pay ahead when cash flow allows, the choice is yours.
BHG Financial offers access to some of the largest unsecured personal loans available, with amounts up to $250,0001 for qualifying borrowers. Because our loans are unsecured, you don't need to put your home or other assets on the line.
BHG Financial offers access to some of the largest unsecured personal loans available, up to $250,000,1 with fixed rates and terms up to 10 years.1,2 Unlike traditional options that cap loan amounts or require collateral, we evaluate your full financial picture to match you with a loan sized for your actual needs.
We use a soft credit inquiry to see if you are eligible for a loan through BHG Financial, so it won't affect your credit score.3 A hard credit inquiry only occurs once you accept your loan offer and move forward with funding.
Yes, you can get a long-term personal loan. BHG Financial offers access to personal loans with terms up to 10 years,1,2 among the longest available for unsecured personal loans. A longer term means lower monthly payments, which can give you extra financial flexibility without requiring you to put up any collateral.
To apply for a personal loan through BHG Financial, you'll typically need a minimum credit score of 640 and a minimum annual income of $100,000. However, your credit score and income are not the only factors included in approval decisions.
Customer testimonials
Customer testimonials
Why high earners choose us
Why high earners choose us
BHG Financial has been trusted to fund over $33 billion in loans. But don’t take our word for it.
BHG Financial has been trusted to fund over $33 billion in loans. But don’t take our word for it.
Not all solutions, loan amounts, rates or terms are available in all states.
Advertised rates are subject to change without notice.
1 Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile. Not all applicants will qualify for the lowest rate.
2 Personal Loan Repayment Example: A $60,000 personal loan with a 7-year term and an APR of 17.06% would require 84 monthly payments of $1,191.38.
3 There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.
4 This is not a guaranteed offer of credit and is subject to credit approval.
Annual percentage rates (APRs) for personal loans range from 6.49% to 28.89%, with terms from 2 to 10 years.
Testimonial(s) based on unique customer experience. Individual customer experiences may vary.
No application fees, commitment, or impact on personal credit to estimate your payment.
Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders. 
This calculator is a tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment provided is an estimate meant for illustrative purposes only. Your actual loan size, APR, loan term, and monthly payment amount may vary based on your individual credit profile and other information provided in your loan application.
For California Residents: Personal loans made or arranged pursuant to a California Financing Law license - Number 603G493.