You can use an unsecured personal loan from BHG for a variety of reasons, including:
BHG also offers business loans, Small Business Administration 7(a) loans and startup loans, plus health care financing options for patients and providers.
You will receive a copy of your application to sign and must provide BHG your most recent pay stub to help with the credit decision. Other documents may be required based on your creditworthiness.
BHG personal loans require no collateral and may be approved in as little as 24 hours and funded in as few as five days.
Rates and terms vary and are determined by your credit profile. Interest rates start at 12.99% with terms of up to 10 years and loan amounts of $20,000 to $200,000. BHG loans have closing costs that can be paid upfront or rolled into the loan and paid over time.
BHG provides estimates with no application fee or harm to your credit, and loan offers are good for 12 days.
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You must live in a state where BHG offers personal loans, which is all but Illinois and Maryland. On its website, BHG doesn’t list a minimum credit score needed to get a loan.
BHG does not disclose a minimum credit score to qualify for personal loans.
BHG offers personal loans nationwide, except in Illinois and Maryland.
BHG received an A+ rating from the Better Business Bureau and has 4.3 out of 5 stars from Trustpilot, an excellent score based on more than 2,000 reviews.
The Consumer Financial Protection Bureau received 12 complaints in 2022 about BHG personal loans. The most common complaint was about struggling to pay the loan. BHG gave a timely response to each complaint and closed nine with an explanation and three with monetary relief.
You can reach BHG customer service at 866-588-7910. Customer service hours are 8 a.m. to midnight Eastern Time Monday through Friday and 10 a.m. to 2 p.m. ET Saturday and Sunday. You can email a representative at customerservice@bhg-inc.com.
The lender’s website allows you to begin the application process, estimate your loan payment with a soft credit pull and contact a representative for more information, among other features. A representative will contact you after you submit your application.
- People who prefer a customized, hands-on approach to borrowing.
- People who want to borrow up to $200,000.
- People who prefer being able to use loans for a variety of purposes.