Personal loans
Customized financing to consolidate high-interest debt and unlock financial flexibility.
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Personal loan calculator
Adjust the loan details to see your estimated monthly payment and total cost.
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How to use this personal loan calculator
Using the calculator is simple. First, enter a few basic loan details to estimate your monthly payment. Then, you can compare different loan amounts and terms to find a repayment option that fits your financial goals.
1. Enter the loan amount
Your loan amount, also called the principal, is the total amount of money you plan to borrow. Consider the full cost of your project or financial goal when estimating your amount. BHG Financial offers access to some of the largest unsecured personal loans available, up to $250,000.1
2. Enter your loan term
Your loan term is the amount of time you have to repay the loan. Personal loan terms commonly range from a few years to longer repayment periods depending on the lender and loan amount. BHG Financial offers access to long-term personal loans with terms up to 10 years.1,2 Longer term lengths often mean lower monthly payments.
3. Check your eligibility
Check your eligibility for a personal loan through BHG Financial without affecting your credit score3. You'll see personalized options based on your financial profile and a dedicated Finance Manager will personally assist you through the loan process.
Enter the loan amount
Your loan amount, also called the principal, is the total amount of money you plan to borrow. Consider the full cost of your project or financial goal when estimating your amount. BHG Financial offers access to some of the largest unsecured personal loans available, up to $250,000.1
Enter your loan term
Your loan term is the amount of time you have to repay the loan. Personal loan terms commonly range from a few years to longer repayment periods depending on the lender and loan amount. BHG Financial offers access to long-term personal loans with terms up to 10 years.1,2 Longer term lengths often mean lower monthly payments.
Check your eligibility
Check your eligibility for a personal loan through BHG Financial without affecting your credit score3. You'll see personalized options based on your financial profile and a dedicated Finance Manager will personally assist you through the loan process.
Using your calculator results
Once you calculate your estimated payment, you can use the results to evaluate borrowing options and make more informed financial decisions.
Using your calculator results
Debt consolidation isn’t a magic fix, but for the right person and situation, it can be an effective option for managing finances and to get out of debt.
Determine if a debt consolidation loan is right for you
| Determine if a debt consolidation |
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A personal loan may help simplify multiple payments into one fixed monthly payment. Use the calculator to compare your estimated loan payment against your current combined debt payments and evaluate potential savings.
 | Evaluate if your home renovation |
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Evaluate if your home renovation is affordable
Planning a renovation or home improvement project? Estimate how much your monthly payment may be before committing to a project budget. Adjust loan amounts and terms to find a financing option that aligns with your goals.
 | Estimate if loan payments fit into |
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Estimate if loan payments fit into your monthly budget
Understanding your estimated payment can help you determine whether a loan comfortably fits within your existing monthly expenses. Use the calculator to evaluate affordability before applying.
 | Simulate different repayment terms |
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Simulate different repayment terms
Experiment with shorter and longer repayment terms to compare monthly payments and total interest costs. This can help you decide whether lower monthly payments or faster payoff is the better fit for your financial priorities.
How to apply for a loan through BHG Financial
Ready to take the next step? Here's how to get started with your loan application.
How to apply for a loan through BHG Financial
Ready to take the next step? Here's how to get started with your loan application.
01. Estimate how much you need to borrow
Before applying, calculate the amount you may need based on your financial goals, existing debt balances, or planned expenses.
02. Prequalify with a soft credit check
BHG Financial lets you prequalify without affecting your credit score.3 A soft credit inquiry gives you a rate estimate based on your financial profile.
03. Receive approval and get funded
Work with a Funding Advisor to get the tailored option that works for you. If approved, funds are delivered in as few as five days.4
04. Begin repayment
Make your fixed monthly payments on time to stay on track. With a predictable schedule, you can plan ahead and manage your finances with confidence.
This won’t impact your credit score!3
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.
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.
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.