At a Glance
Rates & Fees
Key Features
Unsecured loans up to $250,000
Terms from 2 to 10 years
BHG typically requires at least $100,000 annual income
Pros & Cons
Pros
- Higher loan maximum than most lenders in this comparison
- Long terms can reduce monthly payments
- Checking a rate initially uses a soft credit inquiry
Tradeoffs
- High income requirement limits eligibility
- Origination fee may apply; compare total borrowing cost
- Longer terms can increase total interest even when the payment falls
How to Apply
Check your rate with BHG Financial — most personal loan lenders let you pre-qualify with a soft credit check that doesn't affect your credit score.
Compare the estimated APR, term, and monthly payment against at least one other lender before committing.
Gather proof of income, identification, and bank account details for the formal application.
Submit the full application directly on BHG Financial's site; approval typically requires a hard credit inquiry.
If approved, review the final loan agreement for the origination fee and funding time (as few as 5 days after approval) before signing.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| BHG Financial Personal Loan | 6.49%–28.89% | $20,000–$250,000 | May apply; amount varies by offer and is reflected in APR |
| Citi Personal Loan | 9.99%–17.49% | $2,000–$30,000 | None |
| LightStream Personal Loan | 7.24%–24.89% | $5,000–$100,000 | None |
| SoFi Personal Loan | 6.99%–35.49% | $5,000–$100,000 | None (optional fee for lower rate) |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.