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Big Picture Loans (formerly known as Castle Payday) is a direct lender, specializing in installment, or personal, loans. Their goal is to help borrowers receive short-term loans easily, without worry about hidden fees and regulations: they understand that when financial strain hits, people at times need to borrow money, and they are prepared to provide the short-term loans individuals need. 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 them 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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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 they do not require that credit score, BPL's payday lenders can potentially approve a personal loan to even those with bad credit history.
Big Picture Loans boasts a quick payday loan approval, getting money to their borrowers within 24 hours. They can give a quick payday loan because of their relatively simple approval process. The minimum requirements that consumers must meet to receive a Big Picture payday loan are:
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, such as income level. Most loan lenders ask for more information than BPL, requiring information such as credit card history, credit score, and 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 vary according to the loan amount, pay frequency, 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 will end up paying quite a bit more than the original loan amount.
The customer support department provides a phone number, fax number, email address, physical address, and mailing address for contacting them. Emails are generally responded to within a few hours and the phone number connects directly to an available representative.
There are numerous online negative reviews and reports for Big Picture's services. They generally fall into several consistent categories:
Because of these negative reviews, many potential borrowers looking for a payday lender may go elsewhere to receive their money. Especially customers looking for short term help, there may be better options.
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 they make 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.
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 any 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.
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All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.
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.
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!
I borrow 200 and it was the worst pay back [
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.
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....
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.
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.
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.
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.
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.
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.
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
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!!
After reading the reviews I am just grateful they turned me down. Thank god for protecting me from these Indian demons.
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.
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!!!
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.
Not worth the time, nor the heart ache it will cause. I borrowed $450.00 and I am looking at a total payment of $2500.00. That's 500% of what I borrowed. Could never get in touch with customer service and getting into my account, via online, was impossible. Will never use there services again.
This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you can't. Their website is always having "technical difficulties". I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than $50 and yet they deducted my usual full loan payment of $118 out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they wouldn't give me my money back. They said they were going to "escalate the matter" and call me back but never did. They are stealing from people with emergencies. They are criminals.
I TRIED TO PAY YOU EARLY BY DEBIT CARD IT DIDN'T GO THROUGH, SO I SENT YOU A POST DATED CHECK FOR $582.80 AND SAID PLEASE DON'T CASH IT TILL 10/3/17 THEY DID MY DUE DATE IS OCT/3 IT WAS CASHED ON THE 19 OF SEPT/17 THE MONEY THAT I HAD THERE WAS FOR MY OTHER BILLS. I HAVE NO WAY TO PAY THEM THIS IS WHY I SAID DO NOT CASH HIS CHECK I NEED MY MONEY BACK INTO MY ACCT TODAY BECAUSE I WILL BE MASKLEY OVERDRAWN, PLEASE DON'T MAKE ME TAKE THIS TO FACEBOOK. THANK YOU
This company will suck your blood. Go sell or pawn your wife's jewelry, your guitar or whatever you got but don't take a loan from these blood suckers. I paid $400 for $800 loan for just one month. Think other ways to get money before you fall for this one.
Unbelievable for a 800 loan I'll be paying almost 3000 back!! I was very much misled about this loan during my desperate time needing to pay my bills before my next paycheck
I needed quick cash and used their services. The interest that was charged was over 500% apr so I tried to pay it off quickly. The first 4 payments I made went directly to the interest not 1 cent came off the balance. I then scheduled a early payment and less than $700.00 came off the more than $900.00 payment, as I sad this was an early payment. When I noticed this I contacted the company and they informed me the payment was made against the next payment due, the interest and the remaining came off the balance. due. I then attempted to pay off the final amount via the website and it would not let me set up the payment because of a glitch. I then called the company and was on hold for more than 35 min when I was disconnected. Finally the next day I called and set up the final payment however since it was a Friday I was unable to pay off the loan until Monday since the next day was a weekend, however that didn't stop the interest from accruing over the weekend so that cost me another $35.00. I am so glad to be done with this company.
Got a bs letter from them in the mail tring to give me a loan at a ridiculous rate waste of my time and paper
Customer service was awful and couldn't get my information right. They are not short term, that's a lie. I got a pre-approval letter, one of many, and thought what the heck. I'd just taken out a car loan and there were some other short term expenses. The lowest terms I could get for $550 was 21 mos. at 124/mo. Do the math - I headed for the hills. Fortunately they screwed up my income verification and declined me which, even though they'd wasted an entire morning, saved me from not accepting any offer. $1,950 plus the $550 borrowed is completely nuts. Stay away - they'll only drive you into debt and are horrible to deal with.
This loan is a scam and a rip off do not take out a loan because you will be paying more than you loan is...when you take it out your paying interest not loan.. they tell you one thing on the phone ans other on paper
I went to pay my loan off early, and the amount due was over $100 more than what was listed on my NEXT due date (which was a week away). So I called customer service and she gave me a THIRD amount. She also interrupted me several times, and her explanation of the discrepancies was inadequate, by far. I will never use this type of loan/this company again. It doesn't matter how desperate you are to pay the rent, this was NOT worth it!
Has no interest rate until you look online at the bottom then you see an avg rate of about 500% then I called to try to get an exact rate was told I have to go online apply for the loan and once accepted and already have it then I will know my APR lol to pay 3000 or more on a 600 dollar loan paying over 100 dollars biweekly lol just laughable my lights are out and im behind on rent but I think Ill just wait for friday otherwise ill be paying about 150 every 2 weeks for a year smh
This is the most worse company to work. First no good customer service, second the pay off is the total of the balance no matter if you paid before the end of the loan. WORST and NASTY people.
How can I report these people???? I have already payed the loan and they have use it all on interest and not the principal! I called my bank to cancel the ACH payments from them. Has anyone been sent to collections from this place??
I tried to pay off my loan on their website at 4:32 pm on a Wednesday I saw that the funds had not been debited by Friday called in the rep told me that it did not go thru because of the time I submitted I don't understand since the time for most is 5 pm but ok I'm speaking with her on a Friday which is a business day all day long at 11:14 am and she says we can take the payment but it wont be processed until Monday so of course yall get three more days of interest I really needed the money and I understand how tight things get but if there is any way at all to get money do it because if you don't get a lumpsum of money you will never ever be able to pay this off
THIS PLACE STEALS YOUR MONEY. They tell you can pay off your loan with no penalty early and then charge you more. stay away no matter how desperate you are.
This company is a complete rip-off.. I called in to make a payment to pay off my loan at 8:43 am and was told that my payment would not be dated for today but tomorrow. That resulted in an additional 13.00 in interest that had to be paid... Never again!
I received a $500.00 loan. After deposit into my account.i saw the payment schedule that I would end up paying$3000.00 back. My first prinicipal payment would be in Jan 2018. I immediately tried to pay them off. I was unable to pay them in website because they wouldn't allow it to go through so another day of interest built up. I called them 8 times to get through. My bank kept denying payment because it was coming back as a fraudulent UK company. So I had to use another method that they say would take a day to process, do another day of interest built up. This is a no good company. I dealt with another tribal company and they was not corrupt like this. Ok
My mom was charged 2 times to her account and was only suppose to be one payment. Her payment was to start in July after she talked to a representative saying that her June payment will be at end of the loan. They won't give her the second payment back. We have been round and round about this since Monday July 31,2917. All they can say is sorry, we can't refund it back. Don't go with this company, they are a rip off and take people's money!!
This company is a fraud, they say the company is based out of Watermeet, Michigan but instead when you call to pay off your loan they are actually overseas, it seems when I called I asked the rep. where I was calling too, and she said Philippines, but when they withdrew the funds from my account to pay off the loan the transaction was from U.K. Not to mention I borrowed 400.00 and to pay my loan off 3 months later was 1254.00 dollars. The company misrepresented themselves showing that they where in the U.S, I should be able to get an attorney for misrepresentation and fraud. When you pull up google maps to locate them the address of "company" it takes you out to the middle of nowhere with no building insight.
Big picture loan is extremely predatory. I've been trying to pay off my mother's loan for weeks and they won't let me. She fell on hard times and I just want to get her out of this mess. The customer service was no help and I never got a call back or received an email that I was promised.
We never applied for a loan or received any kind of funds and they got into our account illegally taking money out we called and spoke to several different people and got no where said there was a misunderstanding and disregard the payment confirmation which is crap cause we never got a loan with them fradulant people please beware
filled out app and no one got back to me is this a scam
Big big mistake! Don't do it! They are robbing good people of hard earned money. If this is a pay back it's more of a rip off. They are dishonest to say the least .