Personal loans
Customized financing to consolidate high-interest debt and unlock financial flexibility.
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About BHG
Programs
Who we serve
For high-earning professionals balancing more than most
For high-earning professionals balancing more than most
QUICK QUALIFICATION CHECK
Earn $100,000+ annually with steady income
Have a credit score of 640 or higher
Maintain an established financial history
Live in the United States
So you’re ready for what’s next
Access to larger, more flexible financing is just the beginning – it’s about gaining breathing room, clarity, and control of your finances.
Create more monthly flexibility
Reduce financial pressure and regain control of cash flow
Simplify complex finances
Bring multiple payments into a more manageable structure
Plan your next moves
Navigate life transitions and pursue opportunities that strengthen your finances
Plan your next
moves
Navigate life transitions and pursue opportunities that strengthen your finances
Create more monthly flexibility
Reduce financial pressure and regain control of cash flow
Simplify complex finances
Bring multiple payments into a more manageable structure
Plan your next moves
Navigate life transitions and pursue opportunities that strengthen your finances
Trusted ratings & industry recognition
Industry-leading customer satisfaction
The BHG Financial difference
More funding,
built around you
We take a more human approach — with highly trained Finance Managers who carefully tailor the right solution around your goals.
We go beyond your initial request, reviewing your complete financial profile to find all of the best options available for you.
Up to $250K1
Loan amounts
2 to 10 years1,2
Term lengths
Fast funding
In as few as 5 days3
Up to $250K1
Loan amounts
2 to 10 years1,2
Term lengths
Fast funding
In as few as 5 days3
This won’t impact your credit score!3
25 years in business
Expanding our reach while staying true to our approach
Founded in 2001, BHG Financial built a reputation for its thoughtful, relationship‑driven approach to lending for healthcare providers. Today, it serves professionals across industries — helping even more people access financing.
Learn more
Frequently asked questions
Financing options available through BHG Financial are designed for responsible, high‑earning individuals seeking larger amounts and more flexible terms.
While every application is evaluated individually, qualified borrowers typically:
- Earn $100,000 or more annually
- Have a credit score of 640 or higher for personal loans
- Maintain a stable financial profile, including income, credit history, and existing obligations
That said, your credit score isn’t the only factor we consider. We evaluate your full financial profile to better understand your ability to move forward with confidence.
We consider applicants with a minimum credit score of 640 for personal financing options. Scores closer to 750 can improve your chances of approval and may lead to better terms.
However, your credit score isn’t the only factor we consider. We also evaluate your income, credit history, and overall financial profile.
Checking your options starts with a soft credit inquiry, so it won’t affect your score.4
Personal loans available through BHG Financial can reach amounts up to $250,0001 for qualified borrowers.
The amount you may qualify for depends on your full financial profile—including your income, credit history, and overall financial strength.
Start by checking your eligibility. We'll let you know whether you qualify for the amount you requested, with no impact to your credit.4
Personal loans available through BHG Financial are designed to support larger financial needs and meaningful life expenses—not just smaller, everyday purchases.
Many borrowers use their loan to:
- Consolidate high‑interest debt into one fixed monthly payment
- Keep planned financial goals within reach
- Invest in home improvements to enhance their living space
Some borrowers also use a single solution to address multiple financial goals at once.
When used for debt consolidation, a loan through BHG Financial may help improve your credit score over time.
Many borrowers who consolidate high‑interest debt see an average improvement of around 40 points in their FICO score within a few months, in many cases.*
Results vary, but structured payments and reduced credit card balances can help strengthen your overall financial profile.
Yes—self-employed professionals can qualify.
Because BHG Financial evaluates your full financial profile, we consider more than just employment type, including your income, credit history, and overall financial strength.
Approval depends on your credit profile, income, and overall financial history.
Loan options available through BHG Financial are designed for well-qualified borrowers seeking larger amounts, so stronger credit and stable income can improve your chances.
The process is designed to be flexible and personalized, with support at every step.
You can expect to:
- Explore your options with no impact to your credit4
- Work with a dedicated Finance Manager
- Complete your application online, by phone, or both
- Receive tailored options based on your full financial profile
- Finalize and receive funding—often within as few as 5 days3
Throughout the process, you’ll have access to real people who can help guide you forward.
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 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 This is not a guaranteed offer of credit and is subject to credit approval.
4 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.
No application fees, commitment, or impact on personal credit to estimate your payment.
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.
Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders. 
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.