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Credit card debt consolidation loans
Consolidate credit cards into one fixed payment
Consolidate credit cards into one fixed payment
Replace multiple credit card payments with one structured personal loan and a clear repayment plan that doesn't stretch your budget.
No application fees, commitment, or impact on personal credit to check your eligibility.
Image is an example only and does not reflect actual customer information.
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Get a clear path forward
Regain control of your finances
A credit card consolidation loan can give you a clear repayment plan and a way out of debt--without risking your home as collateral.
One payment
Combine all your credit card bills into one payment so you no longer need to track multiple payment due dates.
Fixed APRs
With fixed rates, you can be confident your monthly payments won't change throughout your loan term.
No collateral
Don't risk your home just to pay off your debt. Get an unsecured consolidation loan and get the financial peace you deserve.
Plan your next
moves
Navigate life transitions and pursue opportunities that strengthen your finances
One payment
Combine all your credit card bills into one payment so you no longer need to track multiple payment due dates.
Fixed APRs
With fixed rates, you can be confident your monthly payments won't change throughout your loan term.
No collateral
Don't risk your home just to pay off your debt. Get an unsecured consolidation loan and get the financial peace you deserve.
This won’t impact your credit score!²
THE BHG FINANCIAL ADVANTAGE
How a credit card
consolidation loan through
BHG Financial can help
BHG Financial offers access to large loan amounts and long loan terms, allowing you to consolidate your credit cards in one loan with payments that fit your budget..
-
Improve your credit score
Most borrowers who consolidate debt through BHG Financial improve their FICO score by 40 points or more* within a few months of funding. -
One loan to consolidate all your cards
With maximum loan amounts of $250,0001, there's no need to stack loans from other lenders to pay off your credit cards. -
Lower APRs
APRs through BHG Financial start at 6.49%1, allowing you to pay off your cards and save money on interest. -
No prepayment penalties
With no prepayment penalties, you can put extra cash toward repayment with no fees.
SIMPLE 3-STEP PROCESS
How to get a credit card consolidation loan
Getting a personalized credit card consolidation loan through BHG Financial is simple.
01
Get prequalified
Prequalify online for a consolidation loan through BHG Financial with no impact to your credit score.2
02
Pick your loan and apply
BHG Financial gives qualified applicants access to loan terms as long as 10 years1,3 and amounts up to $250,0001, ensuring your loan works for you and your finances.
03
Consolidate your cards
Once your loan is funded, you can pay off your credit cards and begin repayment on a single, fixed-rate loan.
CUSTOMER TESTIMONIALS
Why professionals choose us
Why high earners choose us
Customer testimonials
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 $28 billion in loans. But don’t take our word for it.
Know before your borrow
Credit card debt consolidation loan FAQs
Discover how a credit card consolidation loan can simplify your finances and may save you money.
To qualify for a debt consolidation loan through BHG Financial, you need a minimum credit score of 640 and a minimum household income of $100,000. You can check your rate in seconds with no impact to your credit score.2
BHG Financial offers loan amounts up to $250,0001 with terms up to 10 years1,3, allowing you to consolidate multiple credit cards into one fixed-rate payment. There is no collateral required and no application fee, and if approved you can receive funds in as few as five days.4
Balance transfer cards often come with promotional rates that expire, sometimes within 12 to 21 months, which can leave you with a higher variable rate if you have not paid off the balance. A credit card consolidation loan has a fixed APR and a fixed monthly payment for the loan term, so the rate doesn't change. And with terms up to 10 years1,3 and amounts up to $250,0001 through BHG Financial, it's a more predictable and manageable option than most balance transfer offers.
Yes, you can keep your credit cards open after using a loan through BHG Financial to pay off the balances. Keeping accounts open can benefit your credit score by maintaining available credit and preserving the length of your credit history. Be mindful of running balances back up, because the goal of consolidation is to simplify debt and reduce what you owe, not add to it.
BHG Financial offers personal loans up to $250,0001, which lets you consolidate a significant amount of credit card debt, often in a single loan without using multiple lenders.
Related articles
Learn more about credit card consolidation
-
Debt ConsolidationCredit Card Refinancing: How to Lower Your Interest and Pay Off Debt FasterAugust 02, 2026 | 10 min read -
Debt ConsolidationHow Much Credit Card Debt Is Too Much?July 08, 2026 | 9 min read -
Debt ConsolidationHow to Pay Off Credit Card Debt: Strategies to Get Out of DebtJuly 02, 2026 | 9 min read
Bankers Healthcare Group, LLC d/b/a BHG Financial NMLS ID# 2040829
Not all solutions, loan amounts, rates or terms are available in all states.
Advertised rates are subject to change without notice.
*Based on internal data, most BHG debt consolidation borrowers may improve their FICO® score by 40+ points within 2 months. Credit scores depend on many factors and individual results may vary based on personal spending habits.
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 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.
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.
4 This is not a guaranteed offer of credit and is subject to credit approval.
Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders. 
Testimonial(s) based on unique customer experience. Individual customer experiences may vary.
For California Residents: Personal loans made or arranged pursuant to a California Financing Law license - Number 603G493.
IMPORTANT INFORMATION ABOUT ESTABLISHING A NEW CUSTOMER RELATIONSHIP
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.