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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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Debt consolidation loans
Consolidate multiple debts into one monthly payment
Consolidate multiple debts into one monthly payment
Lower your monthly payments, save money on interest, and stop juggling multiple due dates.
This won't impact your credit score!2
Image is an example only and does not reflect actual customer information.
 IMPROVE FICO® SCORE |
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 | LOAN AMOUNTS UP TO |
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Improve your credit score
Most borrowers who consolidated debt through BHG Financial boosted FICO credit scores by 40+ points.*
Get extra cash
Consolidate your debt and get additional funds. Then, repay it as one loan.
More benefits of consolidating your debt
See what you can accomplish with a debt consolidation loan through BHG Financial.
More benefits of consolidating your debt
See what you can accomplish with a debt consolidation loan through BHG Financial.
Reduce your monthly payments
Reduce your monthly payments
APRs as low as 6.49%1 allowing you to potentially save money on interest.
No collateral required
No collateral required
Unsecured debt consolidation loans through BHG Financial give you the option to consolidate all your debt without risking your home.
Long loan terms
Long loan terms
Loans through BHG Financial feature terms of up to 10 years1,3, allowing for lower monthly payments and increased financial flexibility.
No pre-payment penalty
No pre-payment penalty
BHG Financial never charges a penalty for paying early, so if you have extra cash, you can put it toward your loan with no fees.
This won’t impact your credit score!²
How to consolidate your debt
Get a debt consolidation loan through BHG Financial in three easy steps.
Check your eligibility
Get prequalified4 with no hard credit check2, no fees, and no obligation.
Check your eligibility
Get prequalified4 with no hard credit check2, no fees, and no obligation.
Get funded
A finance manager reviews your application, and if approved, funds arrive in as little as 5 days.4
Pay off debts
Once your debts are consolidated, you'll have one predictable payment with a clear payoff timeline.
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.2
This won’t impact your credit score!²
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.
Personal loan FAQs
Debt Consolidation FAQs
Learn more about debt consolidation.
Learn more
Debt Consolidation FAQs
A debt consolidation loan is a single personal loan used to pay off multiple debts, such as credit cards, or other high-interest balances, so you have one monthly payment rather than several. Instead of managing multiple due dates and APRs, you have a predictable payment and, ideally, a lower rate that reduces the amount of interest you pay over time.
Loan sizes vary by lender and depend on factors like your income, credit profile, and overall financial situation. Through BHG Financial, borrowers can access some of the largest debt consolidation loans available, which reach up to $250,000.1
Most traditional lenders cap personal loan terms at five to seven years, but terms up to 10 years1,3 are available on debt consolidation loans through BHG Financial.
Yes. Qualified borrowers may use a BHG Financial personal loan for debt consolidation. Consolidating multiple balances into a single fixed monthly payment may simplify your finances—especially if your existing debts carry higher or variable interest rates, and you qualify for a lower fixed rate. Find out if you qualify for a debt consolidation loan through BHG Financial.
Debt consolidation uses a new loan to pay off your existing balances, combining them into one. You apply for a personal loan, receive the funds, pay off your outstanding debts, and then repay the new loan in fixed monthly installments. At BHG Financial, you can check your rate without affecting your credit score,2 and if approved, receive funds in as few as five days.4
Yes, 10-year debt consolidation loans are available, though not every lender offers them. Longer terms spread your balance over more months, which lowers your monthly payment and can free up monthly cash flow, even if it means paying more interest over the life of the loan. Through BHG Financial, borrowers can access debt consolidation loan terms up to 10 years,1,3 allowing you to choose a payment schedule that fits your budget.
Yes, large debt consolidation loans are available through BHG Financial. Through BHG Financial, borrowers can access up to $250,0001 in unsecured funds, with fixed rates, terms up to 10 years,1,3 and an application process that can deliver a funding decision in as little as 24 hours.4
At BHG Financial, your credit score will not be impacted during the application process.2
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.
3 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.
Annual percentage rates (APRs) for personal loans range from 6.49% to 28.89%, with terms from 2 to 10 years.
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. 
Testimonial(s) based on unique customer experience. Individual customer experiences may vary.
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.
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.