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Personal Debt Consolidation Loans

Get back to enjoying what matters

What's your ideal loan amount?
Please enter a value between $20,000 - $200,000
No application fees, commitment or impact on personal credit to estimate your payment.

Simplify your debt

Our debt consolidation loan helps you take control of your finances by turning your debt into one low monthly payment.

Estimate your debt consolidation loan payment in as few as 30 seconds

See how affordable your monthly payment can be without impacting your credit score.
Please enter a value between $20,000 - $200,000
No application fees, commitment or impact on personal credit to estimate your payment.
Streamlined application

Easily consolidate your debt

Paying off debt can be challenging — we can make it easier. We provide flexible debt consolidation loans fast, with no personal collateral requirements.
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Industry-leading personal loan features
We provide a best-in-class lending experience that will meet your needs — and exceed your expectations.
  • Large loan amounts - up to $200,0001
  • Affordably low monthly payments
  • Approval in as little as 24 hours2
  • Funding in as few as 5 days2
  • Premium service 7 days a week
  • No personal collateral required
  • No lockout period or prepayment penalty

A partner to help you take control of debt

A partner to help you take control of debt

With 20 years of experience and real-life examples, you can be confident that we’ll provide you with a solution that puts you on the path to financial freedom.
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How to get your
debt consolidation loan

Streamlined Application

Get started online or
apply over the phone with
no cost or commitment.

Quick Approval

Submit minimal documentation
and you may be approved in
as little as 24 hours.

Fast Funding

Review your terms and
receive your funds via
wire transfer in as few as 5 days.

Let's find the right loan to fit your needs

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Understanding Personal Debt Consolidation Loans

  • Can I get a personal loan for debt consolidation?
    Yes. You can get a personal loan to consolidate debt. We offer debt consolidation loans with affordably low monthly payments.
  • Is a personal loan good for debt consolidation?
    Debt consolidation through a personal loan can simplify your debt into a single fixed monthly payment. This can be beneficial if the interest rate(s) of your previous debt was high and/or variable.
  • What are debt consolidation loans and how do they work?
    Debt consolidation is the process of combining multiple debts into one new loan. This new loan and its interest rate replace the original debts. Our debt consolidation loans give borrowers peace of mind by providing one affordably low monthly payment that’s easy to manage.
  • Does a personal loan for debt consolidation hurt your credit?
    Personal debt consolidation loans may impact your personal credit during the initial credit inquiry that the lender performs following your application or before funding. In any case, if you keep up with your monthly payments, you could build up your credit over time.

    At BHG Money, your credit score will not be impacted during the application process.3
  • How long does debt consolidation stay on your credit report?
    Typically, debt consolidation loans will stay on your credit report for seven years. As long as the account is reported to the credit bureaus, it will remain on your report. However, at BHG Money, we don't report loan accounts to the credit bureaus. This allows you to take on more credit if needed.
  • How much can I save with debt consolidation?
    The amount you can save with a debt consolidation loan varies based on multiple factors, including the interest rate(s) of the debt you are consolidating and the new interest rate you receive with the debt consolidation loan. The timeliness of your loan repayment can also contribute to potential savings.
  • How do you get a debt consolidation loan with bad credit?
    If you have a lower credit score, our team will work with you to find the right financial solution. We offer a variety of loan opportunities for different situations.

View your estimate

No application fees, commitment, or impact on personal credit to estimate your payment.

Personal loans not currently available in Illinois or Maryland.

1Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile. Finance amount may vary depending on the applicant's state of residence. Call 866-297-4311 for complete program details.

2This is not a guaranteed offer of credit and is subject to credit approval.

Consumer loans funded by one or more participating lenders. Equal Housing Lenders.

Annual percentage rates (APRs) for BHG Money personal loans range from 12.99% to 22.49%, with terms from 3 to 10 years.

Personal Loan Repayment Example: A $59,755 personal loan with a 7-year term and an APR of 17.2% would require 84 monthly payments of $1,229.

For California Residents: Consumer and commercial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

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.