Big Picture Loans (formerly known as CastlePayday Loans) is a direct lender specializing in installment loans, or personal loans. The company's goal is to help borrowers find an easily accessible short-term solution without worrying about hidden fees and regulations.

Big Picture Loans is one of several loan companies operated by the Lac Vieux Desert Band of Lake Superior Chippewa Indians, a federally-recognized American Indian Tribe. As such, BPL claims Tribal sovereign immunity from lawsuits, but consumers can still report the company to the US Consumer Financial Protection Bureau (see below). 

Important: In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau.  

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The Good

  • Offers Installment Loans
  • One-Day Loan Approval
  • Customer Support Options

Offers Installment Loans 

Big Picture Loans offers payday installment loans, meaning that payments are due every payday over a longer period of time rather than in full on the next payday. Typically, borrowers with BPL have 6 to 22 months to repay the loan, so the loan functions more as a short-term loan. 

Big Picture does not require an applicant's credit score for an installment, or personal loan, and because it does not require that credit score, BPL's payday lenders can potentially approve a personal loan to even those with bad credit history.  

One-Day Loan Approval

Big Picture Loans boasts a quick payday loan approval, getting money to its borrowers within 24 hours. It can give a quick payday loan because of its relatively simple approval process. The minimum requirements that consumers must meet to receive a Big Picture payday loan are: 

  • A steady and verifiable source of income of at least $700 per month
  • An open bank account in good standing
  • A reachable phone number
  • Be at least 18 years old
  • Be a U.S. resident 

Applicants can expect to hear back from Big Picture lenders generally within one business day of submitting an application to verify information. 

The loan amount that applicants are approved for depends on several criteria points, including income level. Most lenders ask for more information than does BPL, requiring information such as credit card history, credit score, personal debt amount, and debt-to-income ratio. 

At BPL, most first-time applicants are usually approved for loans from $200 to $1,000. Because payday lending and short-term lending can be risky, annual interest rates typically range from 780.03% to 788.62% APR but the annual percentage rate varies according to the loan amount, pay frequency, and total loan duration. 

Because BPL offers installment loans, payments are stretched out over anywhere from 12 to 44 payments. The high interest rates and stretched out repayment periods mean that borrowers end up paying quite a bit more than the original loan amount. 

Customer Support Options

The customer support department provides a phone number, fax number, email address, physical address, and mailing address for contacting company representatives. Emails are generally responded to within a few hours and the phone number connects directly to an available representative. 

The Bad

  • Negative Reviews
  • Misleading Fees and Information
  • Availability Subject to Change

Negative Reviews

Big Picture Loans' reviews are overwhelmingly negative. These complaints generally fall into several consistent categories: 

  • Misleading information about due dates, fees, and total repayment amounts
  • Incorrectly stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge
  • Initial payment amounts customers were promised were later changed without warning
  • Applicants' information was reportedly sold to other lending companies
  • Because of these negative reviews, many potential borrowers looking for a payday lender may go elsewhere to borrow money. 

Misleading Fees and Information

Many frustrated customers have expressed that, because of misleading or false information, they ended up owing much more than the original loan amount or that was originally communicated to them. Also, when the due dates were incorrectly conveyed, customers often had to pay insufficient funds fees. Although BPL states that there are no early payoff fees, it appears that the company makes it difficult to repay the whole loan early. 

While there are also positive reviews, they make up a small portion of the total number of online reports about Big Picture's services. The positive feedback focused mainly on the ease of applying and the speed of receiving funds, rather than on the repayment portion of the loan process. 

Availability Subject to Change

BPL's services are not available in all states and the number of states serviced may change from time to time or without notice, making BPL a nerve-wracking payday lender for some individuals. However, all transactions with Big Picture are considered to have occurred on Tribal land, so the laws of the applicant's state of residence do not apply. This means that Big Picture Loans does not have to comply with the regulations set forth by an individual state in order to issue a loan. 

Potential customers should be aware that if any problems or issues arise with their payday lenders at BPL, they will not be able to report the problem to their state's regulatory departments, but they can still go to the Consumer Financial Protection Bureau. 

The Bottom Line

Big Picture Loans is a direct lender for payday installment loans, and the loans are repaid over several months instead of being due on the borrower's next payday. Big Picture Loans' application process is free, quick, and easy, and funds can be received within 1 to 2 business days. First-time applicants are usually eligible for loans of $200 to $1,000 with payments due over 6 to 22 months. 

BPL's interest rates are extremely high, ranging from 780.03% to 788.62%. Because monthly payments are made over several months instead of in one lump sum, borrowers will end up needing to pay back much more than the original loan amount. 

Potential customers should also be aware that there are many negative reviews about Big Picture's transparency regarding payment amounts, due dates, finance charges, and the total repayment amount.

In many instances, customers claimed that Castle Payday outright misled them and that their customer service department was very difficult to work with. Because BPL is operated by the Lac Vieux Desert Band of Lake Superior Chippewa Indians, they are regulated by Tribal law and not by the laws and regulations of the applicants' states of residence. 

While there are customers who report having positive experiences with BPL, there is quite a bit of evidence that Big Picture's services are not as advantageous as advertised and potential borrowers should be wary of using their lender services to borrow money and receive loans. We recommend that individuals research other payday loan companies.  

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User Reviews

Star Rating

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Karen M
October 18th, 2019 Overton, TX DETAILS
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Do NOT do business with these thrives. Poor customer service. I asked to delay a payment due to a hardship and the kept trying to take it any way. I called to delay a payment and they offered me no options. The interest is horrible. I paid $1700 on a $800 loan. Run far far away from them.

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Stephen Brown
September 26th, 2019 Apollo Beach, FL DETAILS
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Guy was sketchy when called in to complete the process. He have wanted to do an three way call with my bank then surprise bank is closed after hours. Said to call back in the morning then bam email denied with a credit score of 843. My family has always paid on multiple loans with this company. Don’t waste your time with them..

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Lance Assam
August 20th, 2019 San Antonio, TX DETAILS
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I have no rating for Big Picture loans. They suck. They charge you 3+ the amount of the loan. In 3 months I paid $75 short of what I borrowed. The are not credited with the BBC they don’t report to any of the credit bureaus. So! Be smart don’t apply more don’t accept

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Jennifer Danger
August 11th, 2019 Ackworth, IA DETAILS
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I have taken a couple of loans with Big Picture Loans. I have never had a problem. The application was simple to fill out. Both times I had the money in my account by the next business day.

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Jerry Harpinger
August 11th, 2019 Dacula, GA DETAILS
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This was the third time I loaned with Big Picture Loans. The process was simple and fast. I knew rather quickly that I was approved. I would recommend these guys to anyone who needs help with money in a pinch.

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Andrea
July 3rd, 2019 Milwaukee, WI DETAILS
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Would not recommend to anyone. I paid off my loan early, and inadvertently paid over the amount due. Getting a refund for the overpayment is like jumping through hoops. A three way call to my bank was expected for them to verify information in order to receive my refund, which I declined, as I prefer not to have my personal bank information, including my bank identification code announced to someone other than my bank representative. I was told that was the ONLY way to receive my refund. Apprently they do not send refund checks. Also, question if I would have been contacted about the over payment. At any rate I sacrificed my refund. Not worth the potential for fraudulent activity on my account, as I've experienced in the past.

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Joe l
May 29th, 2019 Ord, NE DETAILS
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I took a 700 dollar loan out when my mother passed at Christmas. Yes, the interest was high, but I knew that going in. My loan is near completion, and I have paid 860 in interest(only 2 payments left). I found that by prepaying 1 extra payment in the first month, it actually saved me about 400 dollars in interest. Take that as you will. Let's face it, anyone who is looking into these types of financing does not have the best credit, this company is taking alot of risk loaning people money. I changed jobs about a month ago, called them up and was able to put off a payment for about 2 weeks, then made two in one week. They will work with you, but it is not like other lenders that will keep calling. If you borrow the money, pay it back. It is that simple. Even paying these payments, I have been able to set aside money for an emergency fund, and that said, if I need help, I know now where I can go to get help. THANKS BIG PICTURE LOANS!

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NeverAgain
April 29th, 2019 Lake Orion, MI DETAILS
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The proverbial “0 stars if I could” applies here. I knew the interest rate, I knew it’s not wise to do business with a company like this but I was in a bind and already had plans laid out to pay it off much earlier than the term stated. I was prepared for all of that but NOT the other shady stuff involved. The only stipulation I was told about paying off the loan early was “We just have to make at least one debit to your checking account for the first payment, then you can pay it off at any time”. Fine. I had to extend paying it off about 3 or 4 weeks later than planned so racked up some additional interest, unfortunately. I called to get a pay off balance a week before the next payday when I knew I’d pay it off. No problem, got that figure easily. When I did call a week later to pay it off, this is where the problems started. First, you’re recorded and there are a slew of questions as if you’re being interrogated by an attorney in a courtroom. Fine. “Would you like to use a debit card to pay off the balance”? Sure. “Well just be advised that if you use a debit card this is a foreign transaction and your bank will probably reject the payment”. Then what are my options? “Do you want to use the same bank routing and account number used for your past payment?”. Of course, is there a problem with the payment being rejected in this manner too? “No”. (Fortunately I had a voided check in my wallet when calling from the car – I wanted this monkey off my back asap – I’ll bet she wasn’t prepared for me to have that voided check on hand and her voice reflected as such). I called on 4/22 to pay this off. “O.K., I will process this payment for 4/26 or after”. What? Why not today?! “Well, because….blah, blah, blah……please state ‘yes’ if you agree to the transaction taking place on 4/26 or after”. Why “after”? 4/26 then, but I’m not agreeing to “or after”. (Again, you’re being recorded). “Sir, o.k., I will process the transaction ON 4/26 but just state ‘yes’”. Yes. Anyway, this is how they ripped another $60+ of interest out of me. Could be more or less for you but this was VERY shady delaying that final payment. That’s how they get their additional money out of you. Imagine if I was recorded agreeing to the “or after”. It would have been processed on 5/15 and I’d be out another $200 of interest along with days on the phone fighting. I also asked if I’d get a confirmation that this loan was paid off and she advised I’d get an email on the day of or after the final payment transaction. I never received that email. The automatic debits to my checking account did stop though so I’ll hand them that. Please note she was VERY p.o.’d throughout this process to get that paid off when they were very, very pleasant when getting you to take out a loan with them. DO NOT use this company. I’ve used payday loan stores in the past when in a bind and it was a much more non-BS and pleasant experience and, in my opinion, their fees/interest were fair and reasonable. Fortunately I’m out of this financial nightmare that my employer placed me in and hope to be beyond this for the rest of my life. Donate plasma, sell parts off of your car or just let your house go in foreclosure before dealing with this shady company.

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sharon
April 18th, 2019 Lansing, MI DETAILS
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I know your company has taken advantage of people who run into hard times. The practices of this company needs to be investigated. An attorney needs to review these cases and contact all of these complaints, and bring a class action lawsuit against this company, just because it is a Indian tribe it should not be above the law.

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Jill M
April 10th, 2019 North Andover, MA DETAILS
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RUN. DON'T TAKE A LOAN FROM THIS COMPANY! I was desperate and took out at $1,100.00 loan in January. The payment sounded reasonable $165.70. Until I realized this payment is TWICE a month. The interest rates are ridiculous and these loans should be considered predatory. I made 5 payments = almost $850. When I made the payoff today (April 9th) the payoff amount was $1,195. I owed MORE than I borrowed despite making payments twice a month for three months. Had I not paid off the loan in full early and took the full 12 months to pay. I would have paid $3,000 in interest. Borrow money from family/friends or sell valuables before even CONSIDERING dealing with this company. Taking a loan from Big Picture loans might seem like a good idea when you are desperate, but - trust me. Run. Don't walk. Run. You'll be so much better off financially if you do not do business with this company which I believe is a predator.

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Riffle Queen
April 1st, 2019 Pleasant Hill, MO

unbelievably super high interest rates! DON"T DO IT!!!

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Fidel Gallegos
March 12th, 2019 Clute, TX

They keep sending letters with pre approval and then deny the loan. Why even bother to send these letters and waisting their time and mine.

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Sharon
February 7th, 2019 Plymouth, MN DETAILS
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DON'T, I repeat DO NOT apply for a loan with these people. They are the absolute worst loan company I've EVER encountered. They are VERY deceptive in the wording they use for their application/offers. Even if you are feeling desperate financially - don't apply here. You will end up paying triple of what you actually borrow. Also, their offer's will make you believe that you're paying a small amount monthly when in fact, you're paying them every other week. Reading the fine print won't help you here...unethical practices! They should be shut down and they don't deserve ANY stars!

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Sandi
January 29th, 2019 Brooklet, GA DETAILS
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I needed a fast loan and going through a refinance and couldn’t apply for a traditional one at the time. Emergency came up, they loaned me exactly what I’d asked for, I read the info on the interest rate and knew going in it was high but had no choice. I had my payments automatically taken out each month, i knew what they would be. I made my 6 monthly payments, done deal. I’d read the reviews and was hesitant but in desperate times you do what you must. I had no issues. Only complaint is the high interest rates.

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John Buchanan
January 2nd, 2019 East Wenatchee, WA

They said i was pre approved then said they could not give me a loan messing up my credit

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Judie
January 2nd, 2019 Taylor, MI

I applied got approved tried to log in couldn't. Called the number provided they said they could not issue the loan due to no email address on the application. The problem with that is, the loan process will not let you proceed without providing an email, phone number, address, place of employment, ect. I tried for several minutes to get an answer from them, all that they kept saying was I did not provide one. I repeated myself to her about the application process doesn't allow you to go forward with the application without it. I wanted an explanation, she could not provide me with one. I ASKED IF THIS WAS A SCAM. SHE SAID NO. I IMMEDIATELY CANCELLED MY APPLICATION AND STATED THAT I WOULD REPORT THEM TO THE BETTER BUSINESS BUREAU. I WILL NOT BE UTILIZING THIS COMPANY IN THE FUTURE!

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Narry
December 21st, 2018 Fort Lauderdale, FL DETAILS
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This was my third time taking a loan from Big Picture Loans. I paid off the two payments early (within a week after funded) and they didn't charge me anything. Great!!! Now, I wanted to pay at least half of the loan amount , which is $500. So I setup a payment of $500 on Friday, which is my payday, the 14th of Dec, 2018. But, they took the money on the 13th of December. Then, my bank requested a return of the amount because my account went overdrawn. The bank charged me a $35 fee for a returned item fee. Let consider as it is okay for the charge. But when I call them to setup the payment again they said I have to wait 3 days before I make any kind of payments. I waited 3 days and call them back to setup the payment. Guess what? I can only pay the due amount and I have to wait another 4 days. GO TAKE A LOAN FROM THIS COMPANY IF YOU ARE ONLY IN DIE OR SURVIVE SITUATION.

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MaryAnn
December 20th, 2018 Lady Lake, FL DETAILS
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Be Aware! Big Picture has worse people for customer care. Besides worse people I signed a loan for 4 month pay back, called customer service they told me was 12 months that would be totally insane. That interest amount is 5500.00 plus 1400.00 borrowed. There’s no way I would have ever agreed to such an arrangement. Top it I’ve been waiting for Big Picture send me copy of what they say I agreed, no copy! Little do did I realize there are numerous complaints n’ side ways business conduct conducted with customers. Whatever you do find another loan source. I had get an attorney straighten this out!

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Jeanette Seeman
December 10th, 2018 Englewood, FL DETAILS
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I first took out a loan with a big hassle of emails and customer service person called my bank and was told I have 7000.00 a month income. Finally got loan and paid it off early. I then applied for another one and it's been denied due to bad credit with BIG PICTURE. It doesn't make sense. I asked for supervisor no help other than saying I'll get the denial in 30 days. What the heck. Maybe cause I paid it early they didn't get the 1400 in fees! I will contact BBB, social media here I come.

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Jeanette Seeman
December 10th, 2018 Englewood, FL DETAILS
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My first loan took a while for them to contact bank to verify income. They find out my income is 7000 a month and grant me a loan w unbelievable fees! I paid off the 38 mo loan in a month. I tried now and have been denied. What! I emailed them no response other then automatic emails I then called couldn't tell me why spoke to useless supervisor. I will find out why in writing. Time to let BBB, and social media know not to use this company and cashnet. Jeanette Seeman

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Yvonne G
December 10th, 2018 Honolulu, HI DETAILS
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"Read & Understand before applying". I would NEVER work with this company EVER again... Customer Service is great, but the terms , pay off really catches you. Pay Off shocked me when I called to pay off this loan. I got approved $1000.00 , made 4 payments of $180.00 every other week from the acceptance of the loan date. And still had to pay $1,175.00 for pay off. Never again and never referring them again. For those who are in need of money, do your research and UNDERSTAND it.

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CAS
November 27th, 2018 Greenfield, IN DETAILS
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Big Picture Loans should not be in business! Taking advantage of Consumers like they do! Customer service is very very Poor! I called in to have my loan paid off. They took to much Money from Payoff Quoted! They owe me a refund! It has been six days and still no refund. All they do is give you the run around on the refund. If you would miss a paymnet, which I never did, they would be hounding you for payment. if they owe you money its a big run around! Amazing how a predator Lender can take money that is not owed to them and hold it! I would run from this company. I would not give them any stars but have to give one star!!!!!

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Rochelle Shelley
October 22nd, 2018 Oakland, CA DETAILS
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1200.00 to pay back a 250. 00 loan. Don't do it.

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Garratt
September 24th, 2018 Columbus, OH DETAILS
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Absolutely horrible and inefficient company to deal with when it comes to trying to pay your loan back. They use an intermediary company to process their electronic payments, which if your bank is any good, will be refused because its not the loan company which issued the payment to you. Why? Because it looks like a MONEY LAUNDERING PRACTICE. RUN FAR RUN FAST FROM THIS COMPANY

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Tanya
September 21st, 2018 Somerset, MA

I received two pre-approval letters. I called to discuss the rates, and payment options because they are not mentioned in the letter. The representative told me to go to the website for every single question I had (he answered absolutely nothing). Then, at the end of the short, and useless conversation (where he repeatedly informed me that he couldn't answer my questions, and I had to go to the website) he had the audacity to ask me if I had anymore questions!!! I informed him that if I had anymore questions, I am sure that I would have to refer to the website LOL! I laughed, and hung up. I would give NO stars if I had the option.

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Becky
August 24th, 2018 Minneapolis, MN DETAILS
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This company is CRAP!!! I called to ask them if I pay a certain amount what would my payoff be, she said she could not tell me until the payment clears my bank. Wonder why???? Why? because then they charge you more interest of course! These people rob you blind. It is my right to know what my loan payoff is at any point of my loan, paying off a certain amount at a time They should be able to tell me what the balance could be.

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Phyllis Ross
July 30th, 2018 Winterville, NC DETAILS
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I took out a loan with Big Picture in June 2018 for 750.00(which I was approved for up to 1500.00) to be paid back in 6 months at a APR of 276.1499% and my payments would be 229.92 which was ok. then I found myself needing more money so I called back and asked can I pay off my current loan and reapply for 1200.00 and they said yes since I was already approved before for more. Well I paid off my old loan and reapplied as I was told and was approved but the APR went from 276.1499%(the rate of my old loan) to 498.5064% and my payment is now $513.11 which is double payments and interest which is crazy!!! I was so upset because I realized that I just Shot myself in the Foot. The representative could not tell me why my payments and interest rate doubled. I had no other choice but to take it because I drained my bank account to pay off my original loan to get my current loan. No one can believe my payment or interest rate when I tell them. This is highway Robbery!! I financially able to pay the payment of 229.92 that I had but to have it doubled and not have a choice but to take it, I don't know what I am going to do now....

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Dawn F Smith
July 27th, 2018 Murrells Inlet, SC

I applied over 24 hours ago, submitted and signed all requested. Now, still saying under review and I have gotten no response to my emails. Not happy so far!

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Laura
July 16th, 2018 Grand Prairie, TX DETAILS
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Am I the lone lucky customer of theirs? I guess so. I have in total gotten 3 loans from BP loans. I swore when I was younger that I would never get a loan from a company like this, but I found myself in a desperate situation that went on for about a year. I already knew the interest and fees were going to be outrageous. That's expected for these types of loans. I made a plan to pay them off early each time, and I did with no problem. The interest rate is lower with each subsequent loan. The only time I have ever had an issue was with my first loan. I wanted to move my due date a few days. I emailed customer support and never heard back from them. I didn't try to call. All my payments were deducted on time from my accounts for the correct amounts. Of course I wish it didn't cost so much, but I knew the costs going in. The many long pages of contracts spell it out for you. The payment schedule is there.

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Gloria
July 11th, 2018 Des Plaines, IL

Wow, I read the reviews because I attempted to call and got no information. I'm sorry for those of you who took several hits for the team. You should contact your Attorney General's offices in your state and report the deceptive practices.

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Elizabeth Coronel
June 28th, 2018 Boca Raton, FL

STAY AWAY FROM THIS COMPANY!!! I cannot stress this enough! This company lies and cheats people. I applied for a loan and was approved. I signed all of the documents and when I called in to finalize the application I was told it had been withdrawn and I would have to re-apply. When I did so, I was once again approved but for a much higher APR than the original approval. The time lapse from first approval to second approval was not even 10 minutes. When I questioned the phone rep I was told this is system generated. When I asked for the original application with the original terms to be reinstated I was told they can't do that because it is system generated. Only companies that are willing to cheat their clients would increase an APR in less than 10 minutes when provided with the exact same information. I have dealt with many credit card and loan companies and have never seen such blatantly dishonest business practices. Again, stay away unless you really want to be cheated. By the way, if I could give this company less than 1 star, believe me I would.

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Yvonne
June 7th, 2018 Chicago, IL DETAILS
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One star for how easy it was to get the loan of $700. I knew the interest would be very high. My installment loan papers reflected what I was told, and payments were deducted accordingly that's why I gave them another star. However, the last payment was only partially deducted leaving a balance of $97.11. I check my accounts regularly so discovered this within two days of the scheduled payment. I called was told account delinquent. I notified them they only took a partial payment not as stated on my loan documents. I was transferred to "Resolution Dept." who said I could payoff the loan today but I would have to pay $5.96 Interest. No more stars. I paid it off. Got Rep No. and reference no for payoff. I then Checked my account. Payment was deducted correctly. I also checked My Account online at Big Pictures. Shows my loan is paid off. I printed that information. Was told by Big Pic Rep that I would receive a paid off email from them but they couldn't say exactly when. Beware! The last payment will be only partially deducted! That's how you end up paying more.

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That guy from Fairfield, CA
May 29th, 2018 DETAILS
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I got a pre approved letter in the mail a few days ago. God or somebody was watching over me, because the application process kept restarting everytime I pressed submit. I gave up after the third time. Then while searching for a customer service number through google, I found this site and read the reviews. I am so thankful the website was acting up! Someone said upwards of 500% interest??? Watch the documentary "Dark Money" on Netflix. There is an episode that describes the predatory lending schemes that one company was performing on innocent hard working taxpayers. This company doesn't sound too far off! Watch your six!!!! If you borrow a $500 loan, you shouldn't have to pay $1300 back!!!!

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Anonymous
May 22nd, 2018 Portland, ME DETAILS
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Service is shady and terrible and you wait 60-90 minutes to speak with someone. No where does it tell you its 600% interest. You have the right to email them with the subject line and body of email saying REVOKING RIGHTS TO ACH/EFT so they no longer can direct debit you. Also, file a claim at https://www.consumerfinance.gov and plead your case and they might settle for just the principal amount with no interest. And in installment payments. Worked for me.

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Judy T Harris
May 16th, 2018 Atlanta, GA DETAILS
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I borrow 200 and it was the worst pay back [

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Anonymous
May 10th, 2018 Cocoa, FL DETAILS
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This company is a TOTAL ripoff. I agree with the RIDICULOUS finance charges, hidden fees, and interest. When you in a tight, you don't be thinking logically to allow these PEOPLE to take more from YOU than what you borrowed from THEM. In my case, $600 with $3600 interest paid in full. This has DEFINITELY been a TRUE eye opener and eye sore as well!

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Brooke A Michael
April 23rd, 2018 McPherson, KS DETAILS
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If I could give less than 1 star I would! Very misleading company that makes it very hard to pay off early. I tried to pay off the debt and they gave me the song and dance that their system was down. I got this response for a week until they told me they don't have a credit card system in their Philippians location.

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Saasy
April 18th, 2018 Modesto, CA

I'm so happy I found this site. I got a pre approval letter in the mail. I wanted to pay off my credit cards and just have one bill. Hell to the naw... Thanks everyone and I'm sorry you had to go through this....

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LINDA DAVIES
April 9th, 2018 East Wenatchee, WA DETAILS
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i had the foolish idea to take a 500 dollar loan from big picture loans, i made 5 payments ontime and then paid off my loan in full, i have been acosted by them on numerous occasions, forcing my bank to verify that the payments went to them as the merchant and that none were returned. thay keep sayiong i am behind because i paid it off early removing 1000 dollars in interest. i recomend that no one ever use these thievs, you will regret it.

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Gayle Edwards
March 7th, 2018 Bradenton, FL DETAILS
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Do not take out a loan with these people. I can relate to the Lady from St. Pete, I live Bradenton, Florida and the exact same thing happen to me. I call , finally got a hold of someone with some sense. On my contract it stated my maturity date was 3/2/2018 for 88.47, However when I checked my personal account they had taken out the payment. I received an email from Big picture stated my account was past due of 23 plus dollar. I hit the ceiling, my question was if they are doing ach withdrawals why am i past due. so I called and had told them they exact same thing, about getting lawyer and that i knew what the law states about payday loans etc. long story short my account is paid in full. I thank God as well . still going to be checking my personal account just in case. Do get a loan with Big Picture big ripoff is what they are.

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martha bacon
March 5th, 2018 St. Petersburg, FL DETAILS
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They are a scam,I had 800.00 loan was so happy to reach 3/3/2018,this loan would be paid off.I check my banking acct daily,waiting for payoff date to come,instead of BPL taking 473 as always,they took 324,then I went to their website to see what they were doing with my account,they had me past due for 149, I was pissed,I was never pass ,due,I pay ACH withdrawl after reading and figuring it out the past due and what they took from my ach equal my normal monthly payment.Mine you, I saw this on the 3rd when I finally got someone on the phone they said I owe 151,now payment was due the same day how do you tack on extra interest are you charging me hourly interest.Finally after an hour on the phone and reaching someone that was compent I told them you better let pay you this 149 via my debit today or come Monday I will be seeking an attorney that would help me draft a class action lawsuit against you and once that is in force, there would definitely be more people coming at them,long story I do save everything to mycomputer ,I wanted to see a paid in full on my account,which they did and it is saved with the orginal applications and paper work,I have the 6 months bank achs and how their contract read 6 payments of 473 and you do it for 5 and the 6 and only take 324 and right away trying to charge interest on the 149.I was embarass to ask anyone for help so I took this loan for 800 and paid 560% interest ,when I did tell my sister said next time come to her for help.You have to go back at these people hard,yes we all situations,but no one should abuse the laws.I reminded them I live in florida and yes they coud be held accountable not on payday loan but for fraud after I had been do diligent in doing the right thing.HARD LESSON LEARNED DO NOT PATRONIZE THESE PEOPLE.Just think if I had not noticed my account next month I would have owed them still 149 plus the 3.00 per days were tacked on. Finally,thank you Lord for letting me see and hopefully no one else will fall victim to corrupt people.

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Steve Dilbeck
February 12th, 2018 Joshua, TX DETAILS
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I took out a 1200 emergency loan, I was told it would be a 289. Dollar payment. So I agreed to do it. It was not made clear that the payment would not be monthly but biweekly. 539 a month for a 1200 dollar loan. I paid the loan off in two months and 1200 dollars cost over 900 dollars in interest. This kind of loan should be illegal.

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Dorothy
January 15th, 2018 Euclid, OH

My name is Dorothy Stafford I borrowed $300 from these people and I found out they wanted me to pay them$1,563.00back I paid them$388.00 back but still calling and emailing me and harassing me I told them I wasn't paying them another dime,I stop payment because I can't afford to pay them that much interest I am on a fix income and disable. I am sorry I ever deal with these people in the first place, now I see I am not the only one being fraud there need to be stop to this madness.

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C. Hammond
January 11th, 2018

I received a pre approval letter in the mail. The first thing I did was check out the website trying to find information about repayment and APR. I called customer service to get some information the rep could not give me a straight answer. I went back to the website and I was able to find the information I was looking for. Unfortunately all the information is there. This company is crooked, but they are able to hide behind the laws of the Indian restoration and do not have to follow regular lending laws. I'm sorry that so many have been taken advantage of. I Am thankful to all of you that have put your stories out there so others do not fall into the same trap.

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Samuel L Manning
January 2nd, 2018 Norcross, GA DETAILS
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My Name Is Samuel Lee Manning Jr !!! Norcross Ga I Want People To Know How This Pay Day Loan Really Works It Can Be Helpful Or A Nightmare To A Individual. On December 8th I Took Out A Loan Of 600 Dollars With a Interest Rate Of .6633 Percent Do The Math 20.00 A Day Until Pay Off Well FASTER YOU Pay It The Less Interest An Longer You Draw It Out More Intersest !!! EXAMPLE !!! December 8th I Got My Monies Of 600 .00 If I Paid it On December 15 Interest Only 34 Dollars Only Oweing 634.00 Back I Had To Take It Out To December 29th Interest Of 195 I Paid Back 795 . Before You Apply Set Down An Look At Your Pay Work Check Dates An Than Decide Which Check You Will Use To Pay Off This Loan. Please Break Down Your Interest Rate To Ur Loan Amount Mines Was 20.00 A Day Than Count Weeks an Weekends That You Keep Your Loan Open . My Advice As I Did Close Immediatley Or Soon As Possible. Good Luck Make It Work Positive For U Not Intersest Of War

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m mcd
December 29th, 2017 Everett, WA DETAILS
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If I could give less than 1 star I would. These people are vampires!! I borrowed $800 just over a month ago and it's cost me over $1700 to finally pay them off. I'd tried to pay them last week and was told at the time one figure but the agent verified that I wanted to pay off the loan, put me on hold and came back on the line stating that I owed another $256 in addition. I'd already scraped together every last dollar I had to pay the original amount that they were asking (no Christmas at my house this year!) and didn't have the additional $256. In the meantime they took another $225 from my account on Tuesday. Two days later I put everything I had together to pay them off and they still wanted an additional $960. They said that they could take my debit info for payment but then said that there was an issue with their system and would be processing my payment thru a foreign processing system that might incur a fee from my bank. I said NO!! They then said that they would take it from my account the next day but I would owe additional interest. I stated that I'm prepared to pay them their blood money today and would not be paying them another single cent. We'll see how that goes. There are other payday loans available on line. DO NOT DEAL WITH THESE PEOPLE. OR ANY OTHER BUSINESSES OPERATED BY THIS SAME TRIBE. Be careful!!

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maritta
December 19th, 2017 Florence, AL

After reading the reviews I am just grateful they turned me down. Thank god for protecting me from these Indian demons.

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Ceasar
November 29th, 2017 Houston, TX

Just reading the reviews. My heart goes out to them. This place should be shut down. They are predators. I'm pretty sure they are laughing all the way to the bank. They are leeches. Shame on them.

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Maryanne
November 2nd, 2017 Sacramento, CA DETAILS
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Bigpictureloan is a rip off! They charge you over $2,000 for a small loan of $475 its ridiculious! I will never go with big picture loan ever again!!!

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Diane Magiera
October 25th, 2017 Chicopee, MA DETAILS
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Not only are they crooks but they have horrible customer service. I took a loan for $800 and am paying back $3,033.42. I knew the minute I saw the amount I would pay back what a big mistake I had made. I called customer service and spoke with a young lady named Jennifer and requested my account number. She put me on hold and a long period of time. I knew then that there was an even bigger problem here. I have never had an issue getting an account number for any account I have had in the past. I was able to provide all the information they asked for to verify my identity. I also looked online for my account number and it was no where to be found, only the application number was available. Finally she came back on the phone and informed me that she was unable to give me that information and that this was for my protection. Now I really knew that they were even worse then I had originally thought. I did make a report with the Better Bussiness Bureau and I am also going to post this comment everywhere I can, to warn others.