Qualifying is easy. Applicants need to meet the following minimum requirements:
1. Have steady income of at least $700.00 per month from a verifiable source.
2. Have an open bank account in good standing.
3. Be reachable by phone.
4. Be at least 18 years old and a permanent U.S. resident.
5. Have a valid email address.
Our installment loans are not available to residents of all states, and those states may change from time to time with or without notice. You may contact us at 1.800.584.4880 to verify.
No. Past bankruptcy, bounced checks, charge-offs and other credit problems won’t always prevent applicant from being approved* for an installment loan from Big Picture Loans, and other requirements may apply.*
No, we don’t offer payday loans.
All loan applications are submitted through Big Picture Loan’s website. It’s easy, confidential, and can be completed in minutes. Our quick and private online application process makes borrowing fast and easy. We don’t process applications over the phone.
Yes, if you wish to cancel your application, please call us at 1.800.584.4880 the same day by 5:00 PM CST and ask to cancel it. You will need to provide your full name, your social security number and other information in order for us to assist you with canceling your application. Big Picture Loans also has a rescission period if your loan has already been approved* and funded. Please refer to your Loan Agreement for details.
Prepayment requirements may vary depending on your particular loan. This information can be found in your Loan Agreement and on your My Account page. Additionally, you may contact us by phone at 1.800.584.4880 or by email at [email protected]
for prepayment information.
Pre-screened offers of credit are based upon information in a consumer’s credit report. Loan approval* and amounts are based on minimum income amounts, other credit criteria, and verification of the information provided during the application process. However, we may not extend credit if, after receiving the application, the consumer no longer meets the criteria used to screen him/her for the offer or if, after we verify the information in the application, we determinate that the consumer does not meet other criteria established prior to the offer.
Yes. The Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”) is a federally recognized Indian tribe located in Watersmeet, MI. Big Picture Loans was created by the Tribe and operates under Tribal law for the Tribe’s benefit.
No. All communications and/or transactions conducted via bigpictureloans.com will be deemed to have occurred on Tribal land. Your Loan Agreement will be governed by and construed in accordance with the laws of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, and to the extent applicable, federal law. The laws of your state of residence or you physical location will not apply to any agreement you enter into with us. Indian tribes are sovereign nations with the right to enact laws related to commercial activity. Generally, state laws are not applicable to Indian tribes or their business operations and federal laws apply only when specifically authorized by Congress.
As part of the application process, we need to verify your bank account information and income to protect you and us from fraud. If your bank allows three-way call verification, we can contact your bank by phone. To better protect your information and minimize risk of fraud to you or us, we do not accept hard copy bank statements. If your bank doesn’t allow three-way call verification, we will need to verify your income and bank account information through Instant Account Verification.