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Loans Like Big Picture Loans: Fast Cash, Lower Fees

Looking for better rates and terms than Big Picture Loans? Check out our top picks.

Big Picture Loans is a tribal lender that offers installment loans up to $5,000. It accepts poor credit, has easy requirements to qualify and you could see funding as soon as the next business day. But its rates can go as high as 699%, and the best rate for first-time users is 250%. Plus, its loan terms only go up to 12 months. If you’re looking for better rates, longer terms or a larger loan — or all three — consider our top picks for loans like Big Picture Loans, only better.

Our 6 top picks for loans like Big Picture loans

  • Alternative for no hard credit check: OppLoans
  • Alternative for a secured loan: OneMain Financial
  • Alternative for a lower-rate installment loan: NetCredit
  • Alternative for self-employed borrowers: Avant
  • Alternative for a cash advance: Chime MyPay
  • Alternative for first-time borrowers: Upstart

Alternative for no hard credit check

OppLoans Installment Loans

9.4 Excellent

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Unlike Big Picture Loans, OppLoans only requires a soft credit check, so it won't hurt your score even if you're not approved. It also has lower rates, with APRs from 160% to 195% — still high, but a far cry from Big Picture's 699%. And it also accepts borrowers with bad credit. But OppLoans isn't available in all states, you need to get paid by direct deposit and loan amounts vary depending on where you live.

Loan amount$500 - $4,000
Turnaround timeAs soon as the same business day
Online applicationYes
  • Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, Washington, West Virginia

Alternative for a secured loan

OneMain Financial personal loans

6.8 Standard

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Similar to Big Picture Loans, OneMain Financial doesn't have a minimum credit score to qualify, and it has much better rates, ranging from 18% to 35.99%. It also offers a secured option and accepts cosigners, giving borrowers a better chance of approval and at more competitive rates. But it charges origination fees, you might have to finalize your loan at a branch location and it's not available in all states.

Min. credit scoreNot specified
APR18% to 35.99%
Loan amount$1,500 to $20,000
  • Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

Alternative for a lower-rate installment loan

NetCredit personal loans

6.4 Standard

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Netcredit also offers installment loans, like Big Picture Loans, but its rates are much more reasonable, starting at 34% and capped at 99.9%. It also has larger loan amounts, ranging from $1,000 to $10,000 and loan terms as long as 60 months. Plus, as of March 2025, it no longer charges late fees or NSF penalties. But rates and loan terms can vary depending on where you live and it's not available in every state.

Min. credit scoreNo minimum
APR34% to 99.9%
Loan amount$1,000 to $10,000
  • Not available in: Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, West Virginia

Alternative for self-employed borrowers

Avant personal loans

6.9 Standard

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Avant welcomes self-employed applicants, and it doesn't require direct deposit like Big Picture Loans does. It has a low credit score requirement of 550 and loan amounts up to $35,000. It also has a fast application process with funding as soon as the next day. But its lowest loan amount is on the high end at $2,000, which may be more than some borrowers need. Plus, it charges origination fees up to 9.99%, and it's not available in all states.

Min. credit score550
APR9.95% to 35.99%
Loan amount$2,000 to $35,000
  • Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

Alternative for a cash advance

Chime MyPay

9.4 Excellent

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For borrowers with poor credit looking for a smaller loan amount, Chime's MyPay feature offers advances of up to $500. There's no credit check required, and there is no interest or late fees. It also doesn't charge a monthly subscription — the only fee you'll ever pay is $2 if you need an instant transfer. Standard transfers are free and should arrive within 24 hours. But you need a Chime checking account to qualify, and it requires direct deposit and at least $200 in eligible deposits. Plus, it can take a little time to qualify for larger advances.

Loan amount$20 - $500
Turnaround timeWithin 24 hours or $2 for instant transfers
  • Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming

Alternative for first-time borrowers

Upstart personal loans

8.3 Great

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Upstart considers factors such as education and employment rather than just your credit score when determining loan approval. With a low minimum credit score of only 300, this makes Upstart a solid choice for new borrowers or people trying to repair their credit history. For those with good credit, rates start as low as 6.7%. But its loan terms are only 3 or 5 years, which some may find limiting, and it charges origination fees up to 12%.

Min. credit score300
APR6.7% to 35.99%
Loan amount$1,000 to $50,000
  • Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

How does Big Picture Loans compare?

Big Picture Loans doesn’t hold up very well to the top picks on our list. It has astronomical interest rates, short loan terms, mixed customer reviews and loan amounts top out at $5,000. But it accepts poor credit and is known for fast funding and lenient requirements to qualify. Still, if you shop around and compare multiple lenders, there’s a good chance you can find a better deal than Big Picture Loans, even with poor credit.

Pros

  • Installment loans up to $5,000
  • Next-day funding possible
  • No minimum credit score

Cons

  • Rates up to 699%
  • Short loan terms
  • Not available in all states
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To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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