One of the most important numbers in your life is your credit score. Do you know what it is? If not, you’re not alone. Millions of Americans are in the dark about what their credit rating is, and the ways it affects different aspects of your life.
One of the most important numbers in your life is your credit score. Do you know what it is? If not, you’re not alone. Millions of Americans are in the dark about what their credit rating is, and the ways it affects different aspects of your life.
Rent can be one of your biggest monthly expenses, which means that you likely budget for it. However, financial emergencies can come up unexpectedly and interfere with even the best plans. Sometimes, even your ability to pay rent on time is threatened.
Are you afraid to look at your bank balance? Is there a purchase you want to make that you feel you just can’t afford? Are you making good money but still feel like you’re living pay check to pay check?
The Truth In Lending Act (TILA) is a federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost, and to standardize the manner in which costs associated with borrowing are calculated and disclosed. TILA covers a variety of loans, including mortgages, auto loans, and personal loans.
There are two main types of credit, and both may affect your credit score in different ways. Here, we will examine installment loans and credit cards. What are they, how are they different, and what can you do if you have bad credit?
If you are in the market for a quick loan, it is helpful to know whether or not you could be considered a ‘high risk’ borrower. Whether you require auto financing, a mortgage or a personal loan, all lenders look at risk before lending money.
When you need to finance a purchase, or raise money to cover an emergency, you might consider personal loans as a funding option. These are good choices for a lot of reasons. Not only can you get personal installment loans fast, but the application process is simple as well. Here is what you need to know about fast personal loans, as well as tips for your application and loan payoff.
If you don't have enough savings set aside to fund an emergency, you're not alone. Forbes recently reported that just 37% of Americans would be able to cover only a $500 or $1,000 financial emergency out of their savings. If your car breaks down, you have a dental emergency, or you need to suddenly fly out for a family funeral, you might want to take out an emergency personal loan to cover the cost. If that is the case, you should ask yourself these eight questions before you decide to use personal installment loans.
There are plenty of different types of lenders out there, ranging from big national banks to small local banks, independent lenders that offer installment loans, cash advances, and more.
There may be a time or two in your life when you needed some extra money fast. Either an unexpected bill comes your way or you need to make a larger than normal purchase and need a bit of help. One way to borrow money quickly is to use personal installment loans. Here are five of the best things about this type of loan.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.
* Loan approval, and amounts are based on minimum income amounts, other credit criteria, and verification of the information you provide during the application process. Big Picture Loans, LLC (“Big Picture Loans®”) will run credit checks on all applicants and may review credit information from specialized credit bureaus. Big Picture Loans reviews and approves all loans on Tribal land at its office located at E23970 Pow Wow Trail, Watersmeet, MI 49969. If your application is verified and approved by 5:00 p.m. CST, you will generally receive an ACH deposit on the next Business Day. Business Day means Monday through Friday excluding all federal banking holidays. The loan documents and authorizations, including the loan agreement, depend on time-sensitive factors. Despite our best efforts, unavoidable delays in the review process can happen. If we are unable to verify your information within two Business Days after you submit your application, the loan documents and authorizations may need to be modified to accurately reflect certain payment disclosures, and you may be required to carefully review and submit new documents reflecting these changes.
** Returned payments, late payments, and non-payments may result in additional fees, charges, or collection activities pursuant to the terms of your loan agreement and as allowable under Tribal and applicable federal law.
*** Big Picture Loans is a wholly owned subsidiary of Tribal Economic Development Holdings, LLC, a wholly owned and operated economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the Lac Vieux Desert Tribal Financial Services Regulatory Authority, an independent regulatory body of the Tribe, and operates in accordance with the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code, which can be found here: Tribal Consumer Financial Services Regulatory Code.pdf.
If Big Picture Loans approves your loan it will be governed by Tribal law, applicable federal law and your loan agreement. The laws of your resident state may have interest rate limits and other protective laws that are more favorable. If you wish to have your resident state law apply, you should consider taking a loan from a licensed lender in your state. Availability of installment loans
You can contact us at Support@BigPictureLoans.com or at PO Box 704, Watersmeet, MI 49969-0704. To access a copy of Big Picture Loans Privacy Notice, please click here: Privacy Notice. Any unauthorized reproduction, distribution, or disclosure is prohibited without Big Picture Loans’ express written consent.
Consumer Notice:
Our loans should be used for short-term financial needs only, not as a long-term financial solution. Individuals with credit difficulties should seek credit counseling. For more information, please see our Financial Wellness Page.