Cost & Terms

The Annual Percentage Rate (A.P.R.) may vary based on the time between loan origination and the first due date. The example below calculates 9 calendar days.

Example Annual Percentage Rate Table

A.P.R.
FINANCE CHARGE
AMOUNT FINANCED
TOTAL OF PAYMENTS
The cost of your credit as a yearly rate.

The dollar amount the credit will cost you.

The amount of credit provided to you or on your behalf.
The amount you will have paid after you have made all payments as scheduled.
779.7939% (e)
$1,131.00
$500.00
$1,631.00


  • You pay interest only for as long as you keep your loan.
  • You can make affordable regular payments or pay off your loan early at any time with no prepayment penalty.
  • If you skip a payment, if your payment is late, or if your payment is returned, you may incur additional fees.
  • Complete disclosures of A.P.R., fees, and payment terms are provided in our Truth in Lending Statement within your Loan Agreement.


How to determine your Due Date

BIGVALLEYFINANCIAL.com provides short-term installment loans which have payments due on your next pay date, unless your next payday is less than 7 days away. In this case, we will debit your account on the following pay date after. You're A.P.R. will vary depending on how far away your pay date is.

  • You always have the option to pay the full amount due with no penalty.
  • You pay down your principal starting on the first payment.
  • Please note that our NSF (non-sufficient funds) fee is $25.00.

If you have any questions please contact us.



Big Valley Financial is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. This web site's contents do not signify a solicitation or offer for check advances in all states. Areas of operation may change with or without notice. Services mentioned on this site may or may not be available in your particular state. Each aspect of, communication, and transaction, with/on this site will be deemed to have occurred in Big Valley Financial's Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site. All content, existing and/or submitted to and in association with this site will be considered Big Valley Financial's copyrighted property. All communications with the company are deemed confidential. Any unauthorized reproduction, distribution, or disclosure is prohibited without the company's express written consent.