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Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

5.0

Big Picture Loans

Finanso.Multilogin™

About lender

Sometimes, we need to find quick emergency cash to pay for unforeseen major purchases or replay our pending debts. Big Picture Loans is a reliable online lender that offers flexible and hassle-free solutions to unexpected financial issues.

Established by the Lac Vieux Desert Band of the Lake Superior Chippewa Indian Tribe, the company has provided economic support to the tribe for more than twenty years now. The Lake Superior Chippewa Indians is a federally recognized Indian tribe living in an economically disadvantaged geographic location. Big Picture Loans contributes two percent of its income to the tribe's budget to help them meet their most immediate needs. It is a direct lender specializing in installment loans, previously known as Castlepayday.

Pros and cons of Big Picture Loans

Big Picture Loans provides considerable advantages over its competitors on the local financial market:

  1. It is possible to complete the registration, application, and repayment transactions on your desktop or mobile device.

  2. Big Picture Loans approves over 94% of all applications and transfers personal loans within 24 hours.

  3. Its services are available across the entire country, and the applicant's poor credit history is never an obstacle.

  4. Early payments are accepted without any penalty fees. You can find the description of all conditions in your loan documents.

  5. There will be no hidden fees for anything whatsoever.

  6. Big Picture Loans also offers several educational resources on its official website to help you become a better-informed borrower and cut down on numerous unnecessary costs in the future.

  7. In the case of urgent questions or unforeseen difficulties, Big Picture Loans provides convenient access to its professional and highly responsive customer support 24 hours a day, seven days a week.

Nevertheless, getting a loan with Big Picture Loans has several disadvantages. Borrowers should keep them in mind.

  1. High interest rates up to 699% APR.
  2. Not available all across the country.
  3. Late payment fees up to $20.

FAQ

Does Big Picture Loans do hard credit checks?

Even though the company pays close attention to your past credits, keep in mind that your bad credit history will not necessarily prevent you from getting a loan. In most cases, Big Picture Loans is loyal for bounced checks, previous bankruptcy, and other potential defects in your credit history and starts the loan process.

Is Big Picture Loans a direct lender?

Yes, it is. All transactions take place directly between the company and your bank account.

Can Big Picture Loans sue me?

Yes, like the other lenders, they can take you to court if you fail to stick to the payment schedule. However, this lender operates under tribal law and falls outside state law and federal law jurisdiction.

What are the Big Picture Loans' pros and cons?

Pros

  1. Online and mobile operation
  2. High approval rates up to 95%
  3. Prompt approval and funding
  4. Poor credit history accepted
  5. Early payment allowed without penalty fees
  6. No hidden fees
  7. 24/7 customer support 


Cons

  1. Annual percentage rates are higher than average 

  2. Excessive personal information required

  3. Occasionally unavailable in some states

  4. Unavailable for foreigners

  5. Abides by its tribal laws 


 

Company documents

Privacy Notice

We make borrowing money easy.

© Big Picture Loans

Financial products

Big Picture Loans
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$200-$5,000
Rate
i

Effective interest rate on the product

up to 699%
Term
i

Loan term for the financial product

4-18 months

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$1,000 - $25,000
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Calculate loan payments in Big Picture Loans

Big Picture Loans calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

USD
USD
200 $
5000 $
Loan term
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Specify the loan term for the calculation

months
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4
18

What to focus on before applying for a loan with Big Picture Loans

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Big Picture Loans and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Big Picture Loans’s reviews by September 2022
Leave feedback
1 reviews
5
Advantages
For me, this company has become a reliable means of livelihood, because when there is a salary delay, and there is no money in stock, there is nothing left to do but take a micro-loan. For the company, there is no special difference in your credit history, the main point is sufficient earnings for further repayment of the loan. The interest bites in the case when you stretch the term for a long time, but sometimes the extension of the term saves, the lender provides it to his client. It is convenient to use through a mobile application, because it is always with me, rather than accessing the site through a browser on a computer
Disadvantages
No
Complain
Overall company rating
5.0
/ 5
1 reviews
Execution of an application
5.0
Support service
5.0
Mobile app
5.0
Service quality
5.0
Your satisfaction level
5.0

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