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APPLY NOW! MEMBER LOGIN
800-384-1630
support@bigstarcredit.com


CASH TO GET YOU WHERE YOU ARE GOING


MONEY WHEREVER AND WHENEVER YOU NEED IT!


EVERY JOURNEY BEGINS WITH A STEP


STEP 1

Start a simple 5 minute application. It’s fast, free and confidential.


STEP 2

Quick answers. No waiting, no guessing. Approval in minutes.


STEP 3

Cash when you need it. If approved, you’ll have your loan funds available as
early as next business day.

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WHO WE HELP:


ACCESS THE CASH YOU NEED…FAST


INCREASING BANK FEES AND REGULATIONS HAVE LIMITED YOUR ACCESS TO CAPITAL. OVER
50 MILLION AMERICANS ARE “UNDER BANKED”.


IF YOU HAVE LOW OR POOR CREDIT, WE CAN HELP.

APPLY NOW!



IMPORTANT DISCLOSURES

Big Star Credit is a tribal lender of the Rosebud Sioux Tribe operating within
the boundaries of the Rosebud Indian Reservation of South Dakota, a sovereign
nation located within the United States of America. Loans from Big Star Credit
are governed by the laws of the Rosebud Sioux Tribe, not the laws of your
resident state. The laws of your resident state may have interest rate limits
and other consumer protection provisions that are more favorable. If you wish to
have your resident state laws apply, you should consider taking a loan from a
licensed lender in your state. This is an expensive form of credit. Alternative
forms of credit, such as a credit card cash advance, personal loan, home equity
line of credit, existing savings or borrowing from a friend or relative, may be
less expensive and more suitable for your financial needs. Before borrowing,
please consider whether you will be able to repay any amount you borrow along
with the interest charges disclosed to you in your loan agreement. Customers
with continued credit difficulties should seek credit counseling. Late fees and
non-sufficient funds/returned item fees may apply as described in your Loan
Agreement. We will never charge you any "hidden fees" that are not fully
disclosed in the Loan Agreement or the Loan Cost & Terms. If you don't make a
payment on time we will attempt to contact you via one or more authorized
methods. We adhere to the principles of the federal Fair Debt Collection
Practices Act (FDCPA). Because we may report your payment history to one or more
credit bureaus, late or non-payment of your loan may negatively impact your
credit rating. If you fail to repay your loan in accordance with its terms, we
may place your loan with or sell your loan to a third-party collection agency or
other company that acquires and/or collects delinquent consumer debt. We
currently prohibit lending in Arizona, Arkansas, Colorado, Connecticut, District
of Columbia, Georgia, Maine, Maryland, Massachusetts, Montana, New Hampshire,
New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South
Dakota, Vermont, Virginia, Washington, Wisconsin, and West Virginia. This may be
subject to change. (1) In most cases, applications that are received and can be
verified prior to 5 p.m. Central Time (Monday through Friday) will be funded the
next business banking day (excluding weekends and bank holidays). Applications
received after 5 p.m. Central Time (Monday through Friday) may require an
additional business banking day to fund. In some cases, we may not be able to
verify your application information and may ask you to provide certain,
additional documents.

 


HOW IT WORKS

 


APPLY FOR A LOAN DIRECTLY ON OUR WEBSITE IN MINUTES      

 

You will need:

- Your Driver's License Number

- Your Checking Account Number

- Your Routing (ABA) Number

- Your Debit Card Number  


INSTANT DECISION 

 

 

In just a few minutes, you will find out if your loan application has been
approved, and how much credit is available to you.

 

 


SIGN YOUR LOAN DOCUMENTS

 

 

Read and review your loan documents, and E-Sign the documents to ensure that you
have read and understand the terms of your loan.

 


GET YOUR MONEY IN YOUR BANK ACCOUNT      

 

 

Receive the funds in your bank account by next day. In some cases, funds can be
received same day. Please contact our Customer Support Team at 800-384-1630 to
find out how.

  


PAY BACK YOUR LOAN IN INSTALLMENTS

 

 

You will repay the loan in installments based on your agreed upon loan payment
schedule. You can prepay your loan at any time, without penalty.

 

 


RATES

As a general rule, you should request the lowest amount that you need
immediately and make every attempt to pay back your loan as quickly as possible.
Both the speed at which online loans are processed and the chance that lenders
take by approving "risky" borrowers tend to add up to higher than average
finance fees charged. 

Annual Percentage Rate 

The annual percentage rate or APR is a calculation of the fees of a loan in
relation to the amount of money being borrowed. It is intended to allow
consumers to more easily compare the costs of borrowing when comparing different
loan types, amounts, and terms. The number reflects the cost of obtaining a loan
on a yearly or annual basis. 

The annual percentage rate or APR varies depending on the terms of your loan as
well as your payment history. The maximum APR of any Big Star Credit loan is
699% and it is important to note that these loans are not intended to be used as
a long-term financial solution or to supplement limited income. These loans can
offer emergency relief if you are short on money and need funds to cover an
urgent expense until you receive your next paycheck.  

APR will always be disclosed before the loan is finalized so that customers can
make an informed decision.


KEEP IN MIND

 Paying back quickly gives you the best rate. Any loan can be costly if you let
the balance roll over without paying it off as soon as possible. Request a
dollar loan amount that you will be able to pay back quickly.




BIG STAR CREDIT  IS READY TO SERVE YOU


      APPLY NOW!

We received your message and you'll hear from us soon. Thank You!

APPLY NOW!


PRIVACY POLICY

Facts: What does Big Star Credit do with Your personal information? 

Why? Financial companies choose how they share Your personal information.
Consumers have the right to limit some but not all sharing. This notice tells
You how We collect, share, and protect Your personal information. Please read
this notice carefully to understand what We do. 

What? The types of personal information We collect and share depend on the
product or service You have with Us. This information can include: 

        - Social Security number and checking account information 

        - Payment history and income 

        - Employment information and wire transfer instructions 

How? All financial companies need to share customers' personal information to
run their everyday business. In the section below, we list the reasons financial
companies can share their customers' personal information; the reasons Big Star
Credit chooses to share; and whether you can limit this sharing.

Reasons We can share Your personal information Do We Share? Can You Limit This
Sharing? For Our everyday business purposes - such as to process Your
transactions, maintain Your account(s), respond to court orders and legal
investigations, or report to credit bureaus. YES NO For Our marketing purposes
to offer Our products and services to You YES YES  For joint marketing with
other financial companies NO WE DON' T SHARE For Our affiliates everyday
business purposes information about Your transactions and experiences NO  WE
DON'T SHARE  For Our affiliates everyday business purposes information about
Your creditworthiness NO  WE DON'T SHARE For Our non-affiliates to market to You
NO WE DON'T SHARE 



Questions?

Call 800-384-1630





What We do: How does Big Star Credit protect my personal information?

To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.  We also maintain physical,
electronic and procedural safeguards such as computer virus protection software,
firewalls, and a 128 bit Secure Socket Layer. Only authorized employees have
access.

How does Big Star Credit collect my personal information?

We collect Your personal information, for example, when You

- Apply for a loan

- Give Us Your income information

- Tell Us where to send the money

- Provide account information Provide employment information

We also collect Your personal information from others, such as credit bureaus,
affiliates or other companies.

Why can't I limit all sharing?

You have the right to limit only

- sharing for affiliates' everyday business purposes ­ information about Your
creditworthiness

-affiliates from using Your information to market to You

- sharing for nonaffiliates to market to You

What happens when I limit sharing for an account I hold jointly with someone
else?

Your choices will apply to everyone on Your account.


Definitions: Affiliates

Financial and nonfinancial companies related by common ownership or control. Big
Star Credit does not share with our affiliates

Non-affiliates

Financial and nonfinancial companies not related by common ownership or control.
Big Star Credit does not share with non-affiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

Big Star Credit does not jointly market.





LEARNING CENTER


IS AN ONLINE LOAN THE RIGHT OPTION FOR MY SITUATION?

An online loan can be a good source of financial assistance when used
responsibly. Many people find this type of loan helpful for: 

 * Paying bills on time
 * Helping to cover sudden and urgent expenses, such as medical bills
 * Ensuring that a check does not bounce
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WHAT CAN I DO IF MY FINANCIAL OBLIGATIONS BECOME OVERWHELMING? 

If you obtain loan from us and discover that you are unable to repay it due to
your financial circumstances, please contact us and we will do our best to find
a solution that fits your situation. 


 


IF YOU FIND YOURSELF IN A POSITION WHERE YOU ARE CONSISTENTLY HAVING
DIFFICULTIES MEETING YOUR FINANCIAL OBLIGATIONS, THEN OUR PRODUCT IS NOT FOR
YOU.



HELPFUL TIPS


HOW TO IMPROVE YOUR CREDIT SCORE:







Check your credit history: It's important to know your credit history because it
gives you an indication of how attractive you are as a potential borrower. Get
your credit report and check that it doesn't contain any errors. Mistakes could
be negatively affecting your rating, and fixing them is a step towards credit
improvement. Pay down your credit cards: While it's true that servicing student
loans, mortgages and other debt can improve your credit score, the highest
improvement comes from repaying opened-end loans like credit cards or lines of
credit. Get payment reminders: Do you find that you forget to pay bills by their
due dates? Opt for payment reminders in order to avoid this in the future. It
may seem trivial, but late payments can have a huge effect on your credit score.
Another way to combat forgetfulness is to set up automatic payments, which will
ensure that your payments are consistently made on time. Have a few credit
options: It may seem counter intuitive, but using a few different types of
credit - a mix of revolving credit and installment loans can actually increase
your credit score, as long as they are managed responsibly.






FREE INFORMATION & RESOURCES

MyMoney.gov The federal government’s website dedicated to helping Americans
understand more about their money — how to save it, invest it, and manage it to
meet their personal goals. USA.gov/money Learn about taxes, money the government
may owe you, investing, credit help, and more. USA.gov is an interagency product
administered by USAGov (formerly the Federal Citizen Information Center), a
division of the U.S. General Services Administration's Technology Transformation
Service.


FAQ

INSTALLMENT LOAN FAQ

THE INFORMATION BELOW PROVIDES ANSWERS TO SOME OF THE MOST FREQUENTLY ASKED
QUESTIONS ABOUT INSTALLMENT LOANS. IF YOU CANNOT FIND THE ANSWER OR INFORMATION
YOU ARE LOOKING FOR HELP, PLEASE DON'T HESITATE TO CONTACT US AT 800-384-1630 OR
VIA EMAIL AT SUPPORT@BIGSTARCREDIT.COM

Is this a "payday" loan? No, this is not a payday loan. Payday loans need to be
paid in full on your next pay date. Our loans are installment loans meaning
payments are spread out over 6 months. However, we do encourage you to pay off
your loan as quickly as possible to save on interest. What's the catch? There
isn't any! If approved, you'll be asked to review and accept the loan terms by
electronic signature before we can send the funds. Your finance charge and APR
will be fully disclosed to you in your loan agreement. We want you to know every
detail of the loan before committing yourself to it. What if I have bad or no
credit? With Big Star Credit, you may be able to qualify for a loan with bad
credit, or even no credit at all. To see if you qualify, simply fill out our
online application form. Once we verify your personal information and you meet
our underwriting requirements, you may be approved for an installment loan in a
matter of minutes! There's no risk to you! Apply NOW to see if you qualify. How
much will the loan end up costing? The total cost differs for every loan. Our
finance charge is based on your creditworthiness, our proprietary scoring
method, the amount you chose to borrow and the length of time you chose to keep
your loan outstanding. Your finance charge and APR will be fully disclosed to
you in your loan agreement. Apply today to see if you're qualified, speak to one
of our loan agents and review your loan agreement for your specific costs.
There's no risk in applying! Apply NOW to see what you qualify for. What do I
need to qualify? You must be at least 18 years old (19 in Alabama), have a job
or other regular source of income, an active and valid checking account (savings
and prepaid accounts are not accepted), and an email address. What states are
currently NOT serviced by Big Star Credit? Arizona, Arkansas, Colorado,
Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts,
Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina,
Oregon, Pennsylvania, South Dakota, Vermont, Virginia, Washington, Wisconsin,
West Virginia.                                Can I get a loan from  Big Star
Credit if I am a member of the military? Military personnel and their dependents
are NOT eligible for a Big Star Credit loan. How do I know if this loan is a
good fit for my situation? This type of loan is NOT a good fit if: -Your
intention is to use your loan as a long term solution for your financial needs,
-You plan to use your loan to consolidate other debts, -You are not confident
that you'll be able to repay your loan by the due date How is a Big Star Credit
loan different from other types of loans? Big Star Credit loans, also referred
to as personal loans, or installment loans, are a means for consumers to get
quicker access to a relatively small amount of money at a time to help with
short-term needs. The loan amount is generally less than a typical bank loan,
between $300 and $1,000, and there is a quicker approval process to receive your
money. The entire process is handled online and over the phone. How much money
can I borrow? Loan amounts are determined by the information provided on your
application and any available payment history. What is the APR on the loan? The
annual percentage rate (APR) varies depending on the terms of your loan as well
as your payment history. The maximum APR of any Big Star Credit loan is 699% and
it is important to note that these loans are not intended to be used as a
long-term financial solution or to supplement limited income. These loans can
offer emergency relief if you are short on money and need funds to cover an
urgent expense until you receive your next paycheck. How do I apply for a loan?
New customers must go to the Apply Now page and fill out our online application.
After you press submit you will be notified if your application has been
conditionally approved within a few seconds. If you are a returning customer,
you can log in to take advantage of our express application. When will I know if
I've been approved? You will receive a notice indicating if you have been
conditionally approved for a loan within seconds of submitting your application.
If you do not receive this message, please contact Customer Support at
800-384-1630. Why do you need my bank account information? Big Star Credit
requires your banking information in order to deposit your funds directly into
your account as soon as the next business day through Automatic Clearing House
(ACH). When and how will I receive my loan? After finalizing your loan, the
funds are generally direct deposited into the bank account listed on your
application by the next business day. How do I cancel a loan request? In certain
circumstances you may be able to cancel your loan agreement with us without
incurring costs or finance charges. To do so, please call us at 800-384-1630,
and provide us written notice of your wish to cancel your loan agreement by
email at support@bigstarcredit.com. When is my loan payment due? All payments
will be processed on the due dates as set out in the terms of your loan
agreement. If the situation arises that funds will not be available in your
account, please contact us three business days prior to the due date at
800-384-1630. A late fee of any payment not received within 5 calendar days of
its due date will be processed; you may also be subject to additional fees. What
happens if my due date falls on a holiday? By default, our system will take your
payment on the business day before a holiday. How can I view my payment history,
access my current balance or make changes to my account? Our Customer Support
Team is available at 800-384-1630 for any inquiries into your balance, payment
history or to make changes to your account or loan. You can also Log In to your
self-service account at any time to view loan information. In order to process
changes to your next payment, we require at least 3 business day notice prior to
your next due date. Please note that Big Star Credit is not able to process
change requests online, however you are able to view your current loan agreement
online. How do I update my Big Star Credit account information? How do I update
my Big Star Credit account information? Log In to our self-service feature at
any time of the day or night to view your loan information. Alternatively, our
Customer Support Team can be reached at 800-384-1630 to update your account
information, or you can email us to update non-confidential information at
support@bigstarcredit.com. How do I repay my loan? Automatic withdrawal from
your checking account using an Automatic Clearing House (ACH) direct debit
system each due date. Please be advised that if you don't have enough in your
account to cover the full payment amount owed, you will be charged a $25 Refused
Instrument Charge. If your payment is not received within 5 calendar days of its
due date late, a late fee of $15 will be applied to your account. How do I
contact Big Star Credit? Our Customer Support Team is available Monday to Friday
8AM to 5PM CT and you can reach us at 800-384-1630, by email at
support@bigstarcredit.com or through our Contact Us page where you will find
additional information. What if I have a complaint? If you are not completely
satisfied with your experience, please let us know. You can contact us by phone
at 800-384-1630, by email at support@bigstarcredit.com or by mail at the address
below:

Attn Customer Support
Big Star Credit
P.O. Box 1142
Mission, SD 57555




CONTACT US

We respect and value each customer and will work diligently to resolve any
issues or problems you may have with our services. If you have already contacted
Customer Service in an attempt to resolve an issue or concern and still need
additional assistance, please email complaints@bigstarcredit.com.

800-384-1630
support@bigstarcredit.com

Copyright © 2022 Big Star Credit

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