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.

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.

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.




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  




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.





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.




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. 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.


 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!


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 

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.


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


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

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
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.
Learn about taxes, money the government may owe you, investing, credit help, and more. 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.


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
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. 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
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
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 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 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