Call us at 1-800-584-4880!
PRIVACY NOTICE
APPLY NOW

Rates

Big Picture Loans is a trusted online lender, serving consumers with credit scores from poor to fair. Our idea of “Better Choice. Better Lending” is central to how we approach our personal installment loan product.

$200 - $5,000

Loan Amount Range

12 Months

Loan Length 

160%† - 699%

APR Range
APPLY NOW

† The lowest Annual Percentage Rate (APR) is applicable for eligible returning customers if they qualify with the company's credit parameters. The APR Range for new customers is 250% - 699%.
The information above reflects rates and terms available through Big Picture Loans.
 
We know that each applicant has a unique credit situation, so we analyze all of the information provided and the applicant’s credit data to assess if that applicant meets our minimum loan criteria. We use multiple underwriting techniques including a risk model method called “Risk-Based Pricing” which allows us to offer different interest rates and loan terms based on the individual consumer’s creditworthiness.  Among other credit criteria, we may look at factors such as credit score, credit history and income.  We are an equal credit opportunity lender, so we do not consider factors such as race, color, national origin, religion, gender, marital status or age. If you are offered terms less favorable than other borrowers, based on any part of your credit history, we will provide you a Risk-Based Pricing notice. We will not approve a loan application if we cannot establish that you meet certain credit criteria.  For more information on Risk-Based Pricing you can visit the Federal Trade Commission website at https://www.ftc.gov.
 
Late Fees: If a scheduled payment is late more than ten (10) days after its due date, a consumer may incur a late charge not to exceed $20 per occurrence.
 
Example: A $1,000  loan, repayable in 26 bi-weekly installments, having an APR of 395%, would consist of 25 payments of $157.96, and a final payment of $159.15 if each of the scheduled payments are made in accordance with the Payment Schedule in the loan agreement.  Information valid as of July 2022.
 
 
2024_Lending_License

 
Stop wasting time on other loans!
Choose Big Picture Loans and you could get the funds you need in as little as 24 hours*, with no hidden fees.**
APPLY NOW
Contact Us

Customer Service
Phone: Click to Call
Phone: 1.800.584.4880
 
For Questions, Comments, or Complaints:
 
Hours of Operation
Representatives are available to take your call 24-hours a day, 7 days a week.
Representatives will respond to email correspondence during our business hours:
- Monday - Thursday from 7:00 a.m. to 6:30 p.m. CST
- Friday and Saturday from 7:00 a.m. to 3:30 p.m. CST
- Sunday from 10:00 a.m. to 3:30 p.m. CST
 
 
Mailing Address
Big Picture Loans
Customer Support
P.O. Box 704
Watersmeet, MI 49969
 
 
Physical Address
Big Picture Loans
E23970 Pow Wow Trail
Watersmeet, MI 49969
 New-BPL-Logo-Reverse
Big Picture Loans | All Rights Reserved
Click to Call
1.800.584.4880
 
 

 

facebook

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 are subject to change from time to time as determined by Big Picture 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.
DMCA.com Protection Status You are about to leave the Big Picture Loans Web site, we are not responsible for any external Web sites content.
PCI LogoOur call centers and loan management systems are PCI Certified.
BPL TFRSA LicenseBig Picture Loans TFSRA Lending License
© Big Picture Loans