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Big Picture Loans Reviews

Rated 1.4 based on 231 Reviews

E23970 Pow Wow Trail, Watersmeet, MI 49969, United States

Financial Services Watersmeet

Published on
July 10, 2025
Last updated
July 10, 2025

Reviews Summary

The overall sentiment toward Big Picture Loans is largely negative, with only rare instances of neutral or positive experiences. Reviewers repeatedly mention high interest rates, which are openly disclosed during the loan process, but still regarded as excessive or even predatory. Some customers noted clear communication and quick fund disbursement, but these positives are generally outweighed by concerns over loan costs, repayment terms, and, in a few cases, the professionalism of customer service.

Common feedback includes warnings about the total repayment amounts, which are often described as much higher than expected for the initial loan value. Several reviewers call out lending practices as exploitative, with phrases like “highway robbery” and “scam” used multiple times. Confusion over loan approval amounts, concerns about sharing sensitive bank information, and issues with mailed pre-approvals or possible privacy breaches were also reported.

Overall, Big Picture Loans has a reputation in the US as an accessible short-term lender for those with lower credit, but the company's practices are viewed as problematic by most reviewers. The company’s quick approval and easy access to funds are acknowledged, but the accompanying high costs, aggressive repayment terms, and security concerns significantly undermine trust and overall satisfaction.
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What Customers Are Saying About Big Picture Loans?

the process is always easy and quick

the lady was nice

helped me MANY times

Trustguide extracts key phrases from reviews about Big Picture Loans and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 20% of Big Picture Loans's customers had a positive experience.

Positive
20%
Neutral
10%
Negative
70%

Big Picture Loans Ratings

1

As of Based on 231 revies as of Jul 10, 2025

Big Picture Loans Score

20%

As of Based on 231 revies as of Jul 10, 2025

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Customer Reviews

As of Jul 10, 2025, 231 customers have reviewed this business and rated it 1.4 Star out of 5. Trustguide conducted an in-depth analysis of Big Picture Loans's publicly available reviews View source

Music Addict rated Big Picture Loans 4 stars
3 weeks ago
I've used them for a few emergency situations over the course of around 2-3 years and the process is always easy and quick. I've always gotten my funds the next day. Yes, the interest rates are high, but I believe it's openly stated when you apply and they tell you that it's an expensive option. They also recommend paying the loan off earlier to avoid racking up extra interest charges. You don't have to make the bare minimum scheduled payments. These loans are for people who either have bad credit, building credit or just simply need a quick, trouble free emergency loan.
Arian mendoza rated Big Picture Loans 1 stars
2 weeks ago
I respond their mail that I was approved for $3k (NOT UPTO 3k) then I declined to share my bank account suddenly screen went blank so I called them directly and they told me I was approved for 1k so I asked what is the interest rate the lady was nice so nothing against the customer service it’s the company THE INTEREST RATE IS 593.6% AND MY MONTHLY PAYMENTS WILL BE $406.00 for 12 months FOR $1k loan THIS IS HIGHWAY ROBBERY, it was my fault I didn’t check the reviews. So people this is a scam DO NOT EVEN OPEN THEIR WEBSITE.
Kristen Foster rated Big Picture Loans 1 stars
2 weeks ago
On an $800 dollar loan your payments would be $184.00 bi weekly that's $368 dollars a month for 12 months. Almost $4500 dollars when the loan is matured in one year. DONT DO IT THIS COMPANY IS A SCAM. Now they have my banking info I hope that my loan was not processed.

Frequently Asked Questions About Big Picture Loans

How quickly can I receive funds from Big Picture Loans?

Several reviewers state that funds are typically disbursed the next day after approval, making the service a fast option for emergency financial needs.

What should I know about Big Picture Loans' interest rates?

Interest rates are extremely high, and the full repayment amount can far exceed the initial loan. Customers are advised to review terms closely and pay off loans as early as possible to avoid additional charges.

Is my personal and bank information required during the loan application?

Applicants are requested to provide bank account details, and in some cases, staff have requested online bank login credentials. Some reviewers expressed discomfort with this practice and limited their information sharing accordingly.

About Big Picture Loans

Financial Services
Big Picture Loans operates in the financial services industry as a short-term lender. The company provides emergency loans primarily to individuals who may have bad credit, are building credit, or require quick access to funds. Services are delivered through a primarily online application and approval process, with loan offers and funds disbursed electronically.

The company’s operational model involves straightforward loan applications and rapid loan decision-making. Their process includes verifying banking information, open disclosure of interest rates, and setting flexible repayment schedules. Pre-approval offers are sent by mail, and customer service handles both digital and phone interactions to assist applicants and manage accounts.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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