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Big Picture Loans (formerly known as CastlePayday Loans) is a direct lender specializing in installment loans, or personal loans. The company's goal is to. Then, Leap Credit services the loan you receive from the lender. Once the loan is issued, you deal directly with Leap Credit for all questions and concerns. We are a state-licensed direct lender in Missouri, so when you choose Preferred Loans for your installment loan, you'll be doing business directly with us.