At the end of last year I had a big financial issue and needed a loan. I was turned turn down by various banks. I saw bhm financial online, and I was interested in applying here for a loan. The loan officers were extremely friendly and helpful when I called them regarding how their loans work. I understand they are dealing with clients with bad credit, so the interest rate is high. You definitely need to read your contract carefully before signing it. The loan officers were always available to answer my questions and concerns which I really appreciate. I was approved based on my collateral for a loan amount of $7000, which really helped me with my finances and bills. I really appreciate their help. The application was very simple online and once you submitted your documents you should get your loan amount within 24 hours. However the minor issue was that I got my money after 48 hours. I assume it was a busy season for them. Regardless I have had no problems with BHM financial, and I strongly recommend it to anyone looking to get a loan.