Big Star Credit Review

Big Star Credit Review

This tribal lender offer no credit check online personal loans up to $1,000 but with interest rates up to 699% and no reviews, we're not sure they're legit.

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Company offering fast, secure installment loans up to $1,000 for people with poor credit. 

  • Best for: Best for listed state residents who need quick funding but don’t have the credit score to qualify for other loans. 
  • What to watch out for: Watch out for high interest rates and fees that can add hundreds or thousands onto the original balance.
Table of Contents
    • No minimum credit score
    • No credit check
    • Funding in 1 business day
    • APRs up to 699%
    • Loans only offered up to $1000
    • Not available in all states

    Big Star Credit features

    Here’s what you can expect if you apply for a loan with Big Star Credit:

    • Minimum and maximum loan amount: $300 to $1,000
    • Loan term: Depends on the loan amount – up to six months
    • Loan interest rate range: Up to 699%
    • Fees – Late fee is $15 and insufficient funds/returned check is $25.
    • Where they’re available: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, and Wyoming.

    Product details

    • Credit score range for approval: No minimum – up to 850
    • Turnaround time: Can fund during the same day but usually funds in the next business day after approval.
    • Requirements – Driver’s license number, checking account number, routing number, and debit card number. Reside in one of the states it’s active in and not be active military or a dependent on an active military person.
    • Acceptance – Accepts past bankruptcies as long as there isn’t a current case going, and also accepts various types of employment, as long as you can prove you can meet the payment criteria. 
    • Loan security – Unsecured installment loans.
    • Do they perform a credit check? Does not perform a credit check, and this allows people with poor credit to get approved for loan.

    What are the benefits of Big Star Credit?

    There are a few benefits of working with this lender, and they include but are not limited to: 

    • No minimum credit score required 
    • No credit check
    • Offers same-day funding
    • Flexible repayments

    What to watch out for

    However, just like any lender that offers no credit check loans for bad credit, there are a few things to watch out for when you apply, including: 

    Is Big Star Credit legit? 

    We’re unsure if Big Star Credit is legit. They aren’t listed on the BBB or TrustPilot, and it’s relatively difficult to find any Big Star Credit reviews, whether they’re positive or negative. Doing a Reddit search also doesn’t turn up any results for this company, but they all show results from a very similar company. 

    However, Big Star Credit is an accredited Tribal lender under the Rosebud Sioux Tribe in South Dakota. They follow laws of the Rosebud Sioux Tribe instead of the federal government, and this is why the interest rates can be higher than the state law. They also report your payments to the credit bureaus, and this can potentially help your score if you make all of your payments on time.

    Am I eligible?

    There are relatively few eligibility requirements for this loan, and to be eligible, you have to: 

    • Be at least 18 years old and a U.S. Citizen (19 in Alabama)
    • Have an active checking account
    • Live in one of the states the company services 
    • Be able to prove your ability to repay the loan

    How do I apply for a loan with Big Star Credit?

    To apply for a loan through this company, it’s all online and they boast a very quick process. You’ll have to: 

    1. Go to Big Star Credit and click Apply Now
    2. Pick a loan amount between $300 and $1,000
    3. Fill in your:
      1. First and last name 
      2. Birthday
      3. Contact info – email, phone, 
      4. SSN
    4. Address
      1. Years in the resident
      2. Whether you rent or own
    5. Work
      1. Employer name
      2. Contact information 
      3. Gross monthly income
      4. Pay frequency
    6. Banking information
      1. Checking account number
      2. Routing number
      3. Bank name and address
    7. Sign the paperwork and get access to funds

    What documents do I need to apply?

    You’ll only need a few documents to apply for a loan, including:

    • Driver’s license or government-issued ID
    • Proof of income (check or paycheck stubs, tax returns, bank statements) 
    • Debit card number, checking account number, and routing number 

    What are other tribal loans like Big Star Credit? 

    If you want to use a Tribal lender but Big Star Credit doesn’t seem like a good fit, you can consider: 

    • Fineday Funds: New borrowers can get up to $1,500 in installment loans and pay it off early with no penalty.
    • Uprova: Approved applicants can secure as much as $5,000 in as little as 30 minutes with this lender. 
    • eLoanWarehouse: This is another Tribal lender that allows people with bad credit to borrow up to $2,500. 

    What are other loans like Big Star Credit?

    For those who want a non-Tribal lender and they’re in a pinch, the following are great alternatives to consider: 

    • Opploans: This company offers an online loan ($4,000 and lower) in as little as one business day with no hard credit check.
    • Creditninja: This lender has a quick application process for loans between $250 and $5,000 to people with bad credit. 
    • Speedycash: This is a payday loan that allows you to get quick cash at a price with high interest and origination fees.

    Bottom line

    Big Star Credit is an option for quick loans up to $1,000, especially if you have poor credit. They offer fast funding, often within a day, but be aware of the very high interest rates, which can reach up to 699%. It’s important to fully understand the loan’s terms and the total costs before applying.


    Even though this is a legit lender, it operates a bit differently than a lot of online lenders, and this leads to questions, including:

    What types of loans does Big Star Credit offer?

    Applicants can get an installment loan that they pay back over a six-month term. 

    What are the APRs and financing terms?

    These aren’t disclosed until you’re approved for a loan and get your loan documents, but the APR can be as much as 699%. 

    What is the finance charge based on?

    This company’s finance charge will depend on their proprietary scoring method, the applicant’s creditworthiness, how much you borrow, and how long you want to repay it. 

    Can you get two loans at once?

    No. Once you take out a loan, you have to repay it before taking out a second installment loan through Big Star Credit. 

    Big Star Credit

    Loans: $300 - $1,000

    APR: Up to 699%

    Credit score: No minimum credit score 

    Application simplicity
    User experience
    Customer Service
    2.0 Overall Rating

    Loan Reviews

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    Best Egg is an online lending platform that helps people who have good to excellent credit get fast loans up to $50,000. Watch out for the origination fee and if you have bad credit you're better off applying elsewhere. 

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    Red Arrow Loans provides fast funding for loans up to $5,000 and terms up to 12 months. They are a legit lender but watch out for fees and marketing from 3rd party companies. 

    Big Star Credit Review