FAQ's
Frequently Asked Questions
Big Picture knows that unexpected financial burdens can be stressful. We have streamlined our process to make it easy for you to get your life back on track.
INFO ABOUT OUR LOANS
What kind of loan product does Big Picture Loans offer?
Big Picture Loans offers consumer installment loans, which are also known as personal loans. An installment or personal loan is a loan that is repaid over time with a set number of scheduled payments. There are no penalties for paying your installment loan off early, and you can actually save on finance charges by doing so.
How much can I borrow from Big Picture Loans?*
Loan approval and amounts are based on minimum income amounts, other credit criteria, and verification of the information you provide during the application process.
How soon will I receive my funds?
If your application is verified and approved, we will attempt to send your funds using Real-Time Funding, which can provide instant funding, including on weekends. The exact time your funds appear in your account may vary depending on your bank’s processing times. If your bank does not accept Real-Time Funding, we will automatically send your funds by ACH, which usually posts the next business day (Monday through Friday, excluding all federal banking holidays).
Will someone from Big Picture Loans contact me after I've submitted my loan application?
Once you submit an application, Big Picture Loans will call or email you if the application is incomplete, or additional information or action on your part is required. You can expedite the process by calling us at 1.800.584.4880.
Can I apply for multiple loans with Big Picture Loans?
No, you can only have one installment loan open at a time with Big Picture Loans. Once you’ve successfully repaid your loan, you can log in to “My Account” using the same email address and apply again. Please keep in mind that Big Picture 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.
Do you offer payday loans?
No, Big Picture Loans doesn’t offer payday loans.
Does Big Picture Loans' status as a Tribal entity have any effect on my loan? ***
Yes. The Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”) is a federally recognized Indian tribe located in Watersmeet, Michigan. Big Picture Loans was created by the Tribe, for the benefit of the Tribe and operates pursuant to Tribal law.
Do either the laws of my state of residence or my physical location have an impact on the laws that govern my loan agreement?***
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 your 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.
How can I access the tribal laws applicable to my loan?
Click on this link to learn more about the tribal lending laws: Tribal Consumer Financial Services Regulatory Code.
APPLYING FOR A LOAN
Why did I receive a prescreened offer of credit and how was I pre-approved?
You received a pre-screened offer of credit pursuant to Tribal law and the Fair Credit Reporting Act (“FCRA”). The FCRA permits creditors like Big Picture Loans to obtain limited consumer report information for use in connection with unsolicited offers of credit under certain circumstances. This practice is known as “prescreening” and typically involves a credit reporting agency that generates a list of consumers who meet certain pre-established criteria for us to provide a “prescreened” or “pre-approved” offer of credit to you. This is known as a soft credit inquiry and will not impact your credit score. Please click on this link to learn more about the tribal lending laws: Tribal Consumer Financial Services Regulatory Code. Click on this link to learn more about the Fair Credit Reporting Act.
How do I know if I'm approved for a loan?
Once you sign the loan agreement and submit the application, Big Picture Loans will verify your information on Tribal land and contact you by email with its final loan decision.
What are the minimum qualifications to apply?
Applicants need to meet the following minimum requirements:
- Have an open bank account in good standing.
- Meet monthly income requirements (or have a verifiable source of income).
- Be at least 18 years old and a U.S. resident.
- Have a valid email address.
Once you meet those minimum eligibility requirements, several other factors are considered when evaluating your application. These include the information you provide on your application and information from credit bureaus. Note also that 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 before applying.
Will bad credit prevent me from getting a loan?
Not necessarily. Several factors are considered when evaluating an application. Past bankruptcy, bounced checks, charge-offs and other credit problems won’t always prevent an applicant from obtaining an installment loan from Big Picture Loans, provided other criteria are met.*
How do I apply for a loan with Big Picture Loans?
All loan applications are submitted online using our secure 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.
Can I cancel my application?
Yes, if you wish to cancel your application, call us at 1.800.584.4880 by 5:00 PM CST on the same day the application was submitted. To assist you in your request, we will need to verify some of the personal information you provided in your application. Also, your loan number or application number will help us access your account quickly. 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.
Why, as part of the application, do I need to provide my bank username and password for verifying my bank account?
Connecting your bank account to Big Picture Loans, allows us to verify your identity and view a secure read-only copy of your bank statement. During the application process you will be presented with an option to enter your online banking information (username and password). Only you will be able to see your online banking username and password. Once you have logged in, a secure read-only copy of your bank statement will be sent to us for review in order to complete the application process.
This process generally takes less than 2 minutes. It’s safe, secure and fast for you. Big Picture Loans takes the security of customer information extremely seriously.
I'm having difficulty with bank verification. What should I do?
I'm having difficulty with bank verification. What should I do?
ACCOUNT QUESTIONS
Can I increase my loan amount after I accept the loan agreement terms?
Once you have accepted the loan agreement terms you will not be able to increase the amount of your loan. If you successfully repay your loan you can log into “My Account” and apply for a new loan. Remember that our loans should be used for short-term financial needs only, not as a long-term financial solution.
Can I change my payment schedule after I accept the loan agreement terms?
Once you have accepted the loan agreement terms which includes your payment schedule, you will not be able to change the payment schedule in your loan agreement. However, if you experience financial difficulties while repaying your loan, please call us at 1.888.296.1958 or email us at support@bigpictureloans.com. We may have options available to help you during a financial hardship.
What do I do if I've filed for bankruptcy?
Please contact us at support@bigpictureloans.com or at 1.800.584.4880 and provide your loan number together with the exact full name used when you filed for bankruptcy or your bankruptcy case number so we can properly update your account.
How do I prepay my 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 support@bigpictureloans.com for prepayment information.
Can I change my bank account on file?
Yes, call us at 1.800.584.4880 and we can assist you with updating your bank account information.
Why do I have to provide my personal information when I contact Customer Service?
To protect you, your information and prevent unauthorized access to your account, our customer service representatives must authenticate your identity before disclosing or updating your account information.
What do I do if I have a complaint or dispute against Big Picture Loans?
The Tribe has established a Tribal Dispute Resolution Procedure to review and consider any and all types of complaints made by or on behalf of consumers arising out of the operation of its consumer financial services business (“Business”). The Tribe values its customers and intends, at all times, to see that questions, concerns, issues, and/or complaints raised by consumer borrowers are addressed in a fair and orderly manner. The Tribal Dispute Resolution Procedure is found at Section 9 of the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code, a copy of which may be found at Tribal Consumer Financial Services Regulatory Code, or obtained upon request. The Tribe intends and requires, to the extent permitted by applicable law, for any complaint lodged, filed, or otherwise submitted by you or on your behalf to follow the Tribal Dispute Resolution Procedure. Under the Tribal Dispute Resolution Procedure, if you have already taken steps to resolve your complaint with the Business and you are dissatisfied with the determination of the Business, may seek administrative review of such decision by the Lac Vieux Desert Tribal Financial Services Regulatory Authority (“Authority”). You may seek such administrative review. You must make your administrative review request in writing to the Authority at P.O. Box 249, Watersmeet, MI 49969, within ninety (90) days after receiving the Business’s determination. The Authority will investigate the facts and circumstances surrounding your complaint and will grant you an opportunity to be heard either in person or by telephone within sixty (60) days after the Authority receives your written request. You will be provided notice of the date and time scheduled for your administrative review hearing by the Authority. You may be represented by legal counsel at your own expense. Within a reasonable time after an administrative review hearing the Authority shall issue a written decision and order regarding your complaint. You may then appeal an Authority decision and order by filing a written petition for review with the Tribal Court within ninety (90) days after the Authority issued its decision and order. Within a reasonable time after oral argument, the Tribal Court shall issue an opinion and order regarding your administrative appeal. All opinions and orders of the Tribal Court shall be final and not subject to appeal. Nothing within this Tribal Dispute Resolution Procedure shall be deemed or interpreted as a waiver of the sovereign immunity of the Tribe, or any wholly owned business entity operating as an economic arm of the Tribe, or any of their agents, principals, officers, employees or otherwise.
How do I contact Customer Service?
Customer Service
Phone: 1.800.584.4880
Representatives are available to take your call 24 hours a day, 7 days a week.
For questions, comments, or complaints:
Email: support@bigpictureloans.com
Emails are processed in the order they are received. Representatives will respond to email correspondence during our business hours:
Monday – Friday - 7:00 a.m. to 6:30 p.m. CST
Saturday - 7:00 a.m. to 3:30 p.m. CST
Sunday - 10:00 a.m. to 3:30 p.m. CST
How do I opt-out of marketing emails and direct mail from Big Picture Loans?
If you prefer not to receive promotional mail from Big Picture Loans, please submit an email to support@bigpictureloans.com. Please include your complete name and the current email or mailing address for which you want to opt out.
The opt-out is for promotional communications from Big Picture Loans. However, you will continue to receive transactional notifications through either email or physical mail. For marketing mail opt-out requests, due to the fact that our marketing campaigns are submitted in advance to our mailing vendor, we are unable to stop any marketing pieces that are in process. It is therefore possible that you may receive up to two additional pieces of marketing materials before your request is in full effect.
INFO ABOUT OUR LOANS
What kind of loan product does Big Picture Loans offer?
Big Picture Loans offers consumer installment loans, which are also known as personal loans. An installment or personal loan is a loan that is repaid over time with a set number of scheduled payments. There are no penalties for paying your installment loan off early, and you can actually save on finance charges by doing so.
How much can I borrow from Big Picture Loans?*
Loan approval and amounts are based on minimum income amounts, other credit criteria, and verification of the information you provide during the application process.
How soon will I receive my funds?
If your application is verified and approved, we will attempt to send your funds using Real-Time Funding, which can provide instant funding, including on weekends. The exact time your funds appear in your account may vary depending on your bank’s processing times. If your bank does not accept Real-Time Funding, we will automatically send your funds by ACH, which usually posts the next business day (Monday through Friday, excluding all federal banking holidays).
Will someone from Big Picture Loans contact me after I've submitted my loan application?
Once you submit an application, Big Picture Loans will call or email you if the application is incomplete, or additional information or action on your part is required. You can expedite the process by calling us at 1.800.584.4880.
Can I apply for multiple loans with Big Picture Loans?
No, you can only have one installment loan open at a time with Big Picture Loans. Once you’ve successfully repaid your loan, you can log in to “My Account” using the same email address and apply again. Please keep in mind that Big Picture 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.
Do you offer payday loans?
No, Big Picture Loans doesn’t offer payday loans.
Does Big Picture Loans' status as a Tribal entity have any effect on my loan? ***
Yes. The Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”) is a federally recognized Indian tribe located in Watersmeet, Michigan. Big Picture Loans was created by the Tribe, for the benefit of the Tribe and operates pursuant to Tribal law.
Do either the laws of my state of residence or my physical location have an impact on the laws that govern my loan agreement?***
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 your 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.
How can I access the tribal laws applicable to my loan?
Click on this link to learn more about the tribal lending laws: Tribal Consumer Financial Services Regulatory Code.
APPLYING FOR A LOAN
Why did I receive a prescreened offer of credit and how was I pre-approved?
You received a pre-screened offer of credit pursuant to Tribal law and the Fair Credit Reporting Act (“FCRA”). The FCRA permits creditors like Big Picture Loans to obtain limited consumer report information for use in connection with unsolicited offers of credit under certain circumstances. This practice is known as “prescreening” and typically involves a credit reporting agency that generates a list of consumers who meet certain pre-established criteria for us to provide a “prescreened” or “pre-approved” offer of credit to you. This is known as a soft credit inquiry and will not impact your credit score. Please click on this link to learn more about the tribal lending laws: Tribal Consumer Financial Services Regulatory Code. Click on this link to learn more about the Fair Credit Reporting Act.
How do I know if I'm approved for a loan?
Once you sign the loan agreement and submit the application, Big Picture Loans will verify your information on Tribal land and contact you by email with its final loan decision.
What are the minimum qualifications to apply?
Applicants need to meet the following minimum requirements:
- Have an open bank account in good standing.
- Meet monthly income requirements (or have a verifiable source of income).
- Be at least 18 years old and a U.S. resident.
- Have a valid email address.
Once you meet those minimum eligibility requirements, several other factors are considered when evaluating your application. These include the information you provide on your application and information from credit bureaus. Note also that 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 before applying.
Will bad credit prevent me from getting a loan?
Not necessarily. Several factors are considered when evaluating an application. Past bankruptcy, bounced checks, charge-offs and other credit problems won’t always prevent an applicant from obtaining an installment loan from Big Picture Loans, provided other criteria are met.*
How do I apply for a loan with Big Picture Loans?
All loan applications are submitted online using our secure 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.
Can I cancel my application?
Yes, if you wish to cancel your application, call us at 1.800.584.4880 by 5:00 PM CST on the same day the application was submitted. To assist you in your request, we will need to verify some of the personal information you provided in your application. Also, your loan number or application number will help us access your account quickly. 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.
Why, as part of the application, do I need to provide my bank username and password for verifying my bank account?
Connecting your bank account to Big Picture Loans, allows us to verify your identity and view a secure read-only copy of your bank statement. During the application process you will be presented with an option to enter your online banking information (username and password). Only you will be able to see your online banking username and password. Once you have logged in, a secure read-only copy of your bank statement will be sent to us for review in order to complete the application process.
This process generally takes less than 2 minutes. It’s safe, secure and fast for you. Big Picture Loans takes the security of customer information extremely seriously.
I'm having difficulty with bank verification. What should I do?
I'm having difficulty with bank verification. What should I do?
ACCOUNT QUESTIONS
Can I increase my loan amount after I accept the loan agreement terms?
Once you have accepted the loan agreement terms you will not be able to increase the amount of your loan. If you successfully repay your loan you can log into “My Account” and apply for a new loan. Remember that our loans should be used for short-term financial needs only, not as a long-term financial solution.
Can I change my payment schedule after I accept the loan agreement terms?
Once you have accepted the loan agreement terms which includes your payment schedule, you will not be able to change the payment schedule in your loan agreement. However, if you experience financial difficulties while repaying your loan, please call us at 1.888.296.1958 or email us at support@bigpictureloans.com. We may have options available to help you during a financial hardship.
What do I do if I've filed for bankruptcy?
Please contact us at support@bigpictureloans.com or at 1.800.584.4880 and provide your loan number together with the exact full name used when you filed for bankruptcy or your bankruptcy case number so we can properly update your account.
How do I prepay my 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 support@bigpictureloans.com for prepayment information.
Can I change my bank account on file?
Yes, call us at 1.800.584.4880 and we can assist you with updating your bank account information.
Why do I have to provide my personal information when I contact Customer Service?
To protect you, your information and prevent unauthorized access to your account, our customer service representatives must authenticate your identity before disclosing or updating your account information.
What do I do if I have a complaint or dispute against Big Picture Loans?
The Tribe has established a Tribal Dispute Resolution Procedure to review and consider any and all types of complaints made by or on behalf of consumers arising out of the operation of its consumer financial services business (“Business”). The Tribe values its customers and intends, at all times, to see that questions, concerns, issues, and/or complaints raised by consumer borrowers are addressed in a fair and orderly manner. The Tribal Dispute Resolution Procedure is found at Section 9 of the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code, a copy of which may be found at Tribal Consumer Financial Services Regulatory Code, or obtained upon request. The Tribe intends and requires, to the extent permitted by applicable law, for any complaint lodged, filed, or otherwise submitted by you or on your behalf to follow the Tribal Dispute Resolution Procedure. Under the Tribal Dispute Resolution Procedure, if you have already taken steps to resolve your complaint with the Business and you are dissatisfied with the determination of the Business, may seek administrative review of such decision by the Lac Vieux Desert Tribal Financial Services Regulatory Authority (“Authority”). You may seek such administrative review. You must make your administrative review request in writing to the Authority at P.O. Box 249, Watersmeet, MI 49969, within ninety (90) days after receiving the Business’s determination. The Authority will investigate the facts and circumstances surrounding your complaint and will grant you an opportunity to be heard either in person or by telephone within sixty (60) days after the Authority receives your written request. You will be provided notice of the date and time scheduled for your administrative review hearing by the Authority. You may be represented by legal counsel at your own expense. Within a reasonable time after an administrative review hearing the Authority shall issue a written decision and order regarding your complaint. You may then appeal an Authority decision and order by filing a written petition for review with the Tribal Court within ninety (90) days after the Authority issued its decision and order. Within a reasonable time after oral argument, the Tribal Court shall issue an opinion and order regarding your administrative appeal. All opinions and orders of the Tribal Court shall be final and not subject to appeal. Nothing within this Tribal Dispute Resolution Procedure shall be deemed or interpreted as a waiver of the sovereign immunity of the Tribe, or any wholly owned business entity operating as an economic arm of the Tribe, or any of their agents, principals, officers, employees or otherwise.
How do I contact Customer Service?
Customer Service
Phone: 1.800.584.4880
Representatives are available to take your call 24 hours a day, 7 days a week.
For questions, comments, or complaints:
Email: support@bigpictureloans.com
Emails are processed in the order they are received. Representatives will respond to email correspondence during our business hours:
Monday – Friday - 7:00 a.m. to 6:30 p.m. CST
Saturday - 7:00 a.m. to 3:30 p.m. CST
Sunday - 10:00 a.m. to 3:30 p.m. CST
How do I opt-out of marketing emails and direct mail from Big Picture Loans?
If you prefer not to receive promotional mail from Big Picture Loans, please submit an email to support@bigpictureloans.com. Please include your complete name and the current email or mailing address for which you want to opt out.
The opt-out is for promotional communications from Big Picture Loans. However, you will continue to receive transactional notifications through either email or physical mail. For marketing mail opt-out requests, due to the fact that our marketing campaigns are submitted in advance to our mailing vendor, we are unable to stop any marketing pieces that are in process. It is therefore possible that you may receive up to two additional pieces of marketing materials before your request is in full effect.
Stop wasting time on other loans!
Choose Big Picture Loans and you could get the funds you need immediately after approval*, with no hidden fees.*
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 ask for your driver's license or other identifying documents.
*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 we will attempt to send your funds using Real-Time Finding, which can provide instant funding, including on weekends. The exact time your funds appear in your account may vary depending on your bank’s processing times. If your bank does not accept Real-Time Funding, we will automatically send your funds by ACH, which usually posts the next business day (Monday through Friday excluding all federal banking holidays). Big Picture Loans does not charge a fee for Real-Time Funding; check with your banking institution regarding any fees they may charge. Although we work to process applications as quickly as possible, unavoidable delays may occur.
Loan approval and amounts are based on minimum income amounts, other credit criteria, and verification of the information provided during the application process. The Annual Percentage Rate ("APR") may vary based on when your first payment is scheduled, pay frequency, total loan duration, and the amount of your loan. Big Picture Loans, LLC (“Big Picture Loans ®”) will run credit checks on all applications and may review credit information from specialized credit bureaus. Please note submitting a loan application does not mean it was fully approved. If you choose to re-apply for a loan and your circumstances have changed, you may not be approved for the same loan amount.
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.
You can an contact us at support@bigpictureLoans.com or at PO Box 704, Watersmeet, MI 49969-0704. All communications with Big Picture Loans are deemed confidential. Any unauthorized reproduction, distribution, or disclosure is prohibited without Big Picture Loans’ express written consent.
Consumer Notice: Big Picture 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.
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’s 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. If you have concerns or complaints about your loan, please visit our Tribal Dispute Resolution Procedure page.
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