The Short Version
BHG Loan is an independent, advertising-supported loan connection service. We are not a lender. Lenders in our network pay us when borrowers connect with them through our service, which is how we remain free for borrowers. That compensation may influence which lenders appear in our network and, in some placements, how they are presented. We believe you deserve to know this before you use the service — hence this page.
What BHG Loan Is
BHG Loan operates this website to connect US consumers seeking personal loans of $500 to $5,000 with a network of 18 third-party lending partners. When you submit an application, we present it to those partners; lenders that choose to extend offers do so directly, and any loan agreement you sign is between you and that lender alone. BHG Loan does not make credit decisions, does not set rates or terms, does not fund loans, and does not service them.
How We Are Compensated
Participating lenders compensate BHG Loan for connections made through this website — typically when an application is delivered to them or a loan is consummated. This compensation is the sole way the service earns revenue, and it is why applying, receiving offers, and declining offers all cost you nothing. Compensation may affect which lenders participate in our network and the prominence of certain placements, but it never changes the terms any lender offers you: your APR, fees, and terms are set by each lender's own underwriting of your application.
What This Means for Your Offers
The offers you receive reflect each lender's independent evaluation of your creditworthiness — not our commercial relationships. We do not and cannot steer specific applicants to specific lenders, and no lender can pay to receive an applicant another lender would price better; all 18 partners see qualifying applications and compete on their own terms. That competition is the borrower's structural advantage in the network model, and preserving it is in our interest as much as yours.
Not an Offer of Credit
Nothing on this website is an offer or solicitation to lend by BHG Loan. Submitting an application does not guarantee you will receive offers, be approved, or receive any particular amount, APR, or term. Loan availability varies by state, and not all applicants qualify. Representative examples on this site — such as payment illustrations at a 27.99% APR — are estimates for education, clearly marked, and not quotes.
Our Network Standards
Every lending partner must maintain applicable state licensing, offer fixed-rate installment products with APRs no higher than 36.00%, disclose all fees before signature, and report payments to major credit bureaus. Editorial content on this site — our guides, the lender comparison, and resource pages — is produced to be genuinely useful and is not paid placement by any lender.
Questions
We answer disclosure questions plainly. Reach us at [email protected] or 888-287-2514, or review our privacy policy and terms of use for the complete legal picture.