How to Get a $90,000 Personal Loan from BHG Financial

Prequalification is the fastest and lowest-risk way to see if you’re likely to be approved—and what terms you may qualify for. Most personal loan lenders, including BHG Financial, use a soft credit inquiry at this stage, which does not affect your credit score.⁴

Prequalifying for a personal loan allows you to:

• Check your estimated rates in seconds²
• Review terms personalized to you
• Continue the application for a loan if you choose

Check your eligibility for a BHG personal loan using our online prequalification tool. There’s no impact on your credit.⁴

After prequalifying, you’ll complete BHG Financial’s streamlined online application. It’s built to respect your time and offers live support whenever you need it.

While the process is mostly digital, you’ll work one-on-one with a dedicated, U.S.-based loan specialist who guides you through each step, answers questions, and helps accelerate the process. This is especially helpful for borrowers who want personalized guidance rather than automated decisioning.

Plus, BHG uses holistic underwriting. Traditional lenders often rely heavily on automated credit models to make approval decisions, but BHG goes beyond your credit score to evaluate your:

• Income and profession
• Current obligations
• Cash flow
• Long-term financial profile

Once you’ve submitted your application, our loan specialists will review it. If you qualify, you’ll get a chance to review the loan terms (length of repayment period, loan amount, interest, any origination fees, etc.). If approved, you’ll receive your funds in as few as five days² and can use them to pay off your existing debt.

Speed matters when you’re managing high-interest debt. Every extra month of revolving credit card interest can be costly. That’s why BHG prioritizes fast approval decisions and funding, so you can take control quickly. Approved loans are funded in a single lump sum, giving you the ability to pay off existing balances and consolidate your debt into a single payment.

Pro tip: To accelerate funding, submit complete documentation with your application. Gather proof of identity (e.g., driver’s license), proof of income (e.g., pay stubs, tax returns), and details about current debts.

BHG Financial offers some of the largest unsecured loan amounts available—up to $250,000¹— with extended terms up to 10 years.^1,3 This flexibility allows borrowers to choose the repayment structure that best supports their cash flow and financial goals.

For a $90,000¹ personal loan from BHG Financial, here are the key parameters to know:

• Amounts: Borrow up to $250,000¹ for consolidation and other expenses.
• Terms: Choose terms between 3 and 10 years^1,3 to align payments with cash flow needs.
• APRs: BHG Financial personal loan APRs range from 8.72% to 29.92%¹, tailored to your creditworthiness and overall financial profile.
• No prepayment penalties: You can pay off your personal loan early at any time without extra fees.

Why fixed rates matter

With fixed rates, your payment stays the same every month. This consistency simplifies budgeting, creates a clear payoff timeline, and eliminates the uncertainty of variable monthly interest.

Sample monthly payments for a $90,000¹ loan

Your chosen repayment terms and APR will determine your monthly payment and total borrowing cost. Here are a few examples of the costs associated with a $90,000¹ loan.

By APR

By repayment term

Debt consolidation means taking multiple payments—often with variable or high rates—and replacing them with one, structured, predictable monthly payment. This approach eliminates the chaos of juggling several creditors and helps potentially save money with a lower fixed APR.

When you leverage a personal loan to consolidate debt, you use the proceeds from your loan to immediately pay off high-interest balances (e.g., credit cards, other personal loans, student loans). Depending on the lender, they’ll either deposit the funds into your account so you can self-pay or they’ll pay your creditors directly. BHG will do the latter, helping you resolve your debt seamlessly.

After you’ve paid off existing balances, update your budget to incorporate your new loan payment and set up automatic payments or calendar reminders to ensure on-time payments. Lean on BHG Financial’s dedicated support team throughout your loan term for account questions or payoff planning.

BHG Financial and some other lenders offer $90,000¹ debt consolidation loans.

BHG Financial is a leader in the prime lending space, known for premium service, large loans,¹ and fast, predictable funding.² Here’s what sets BHG apart:

Borrow up to $250,000¹

Many lenders cap unsecured personal loans well below this amount. BHG Financial specializes in supporting borrowers who need large personal loans¹ for meaningful goals—like consolidating high-interest credit card balances or restructuring existing personal loan debt.

Fast approval and funding²

BHG’s hybrid concierge lending model leverages both digital tools and human expertise to streamline the application process. Get an approval decision as fast as 24 hours and funding in as few as five days.²

Concierge-level support

Every borrower receives personalized guidance from a U.S.-based financial specialist who respects busy schedules and helps minimize the back-and-forth documentation. This allows you to move forward with your goals quickly.

Fixed rates and flexible terms

BHG’s fixed-rate personal loans have extended repayment terms up to 10 years^1,3 and no prepayment penalties, giving a practical way to reduce financial pressure and secure predictable monthly payments.

Tailored underwriting for high earners

Professionals with high income or complex financial profiles often feel underserved by traditional banks. BHG Financial evaluates the full picture—not just your score.

Proven trust

BHG has a 25-year lending history lending to high-income borrowers, more than $23.5 billion in funded loans, and thousands of five-star reviews on Trustpilot.