Frequently Asked Questions

Below you can find answers to general questions about applying for, receiving and repaying a short-term loan from Target Cash Now. If you have more specific questions, please contact our Customer Care Agents.

A short-term installment loan has a fixed interest rate and usually does not involve collateral to secure the loan. Payment dates and amounts are detailed in the loan agreement and the term of the loan is typically a matter of weeks or months. Amounts range from several hundred to thousands of dollars.

The three main differences between short-term installment loans and payday loans are the number of payments, the amount of time you have to repay the loan, and the amount you can borrow. Payday loans are typically repaid in one lump sum that’s due by your next pay day. They typically max out around $500. Short-term installment loans can be repaid over a period of weeks or months and some borrowers qualify for loans of several thousand dollars.

It’s likely that you will qualify for a TCN loan if you meet the requirements listed below:

  • Receive a consistent, regular income of at least $1,000/month
  • Are at least 18-years-old and a U.S. citizen
  • Have an active checking account
  • Are not and active member of the military
  • Do not have an active Target Cash Now loan or loan application in progress

* Other requirements may apply.

Target Cash Now realizes that a significant percentage of the population is “unbanked” or “underbanked,” meaning they don’t have access to traditional financial institutions. We are dedicated to serving these customers and providing viable options for emergency financing.

One of our Loan Specialists will contact you and/or you will receive an email notification with information about completing the application process.

Target Cash Now can typically have funds deposited into your bank account the business day after your application has been processed and approved, provided you’ve met the cut-off time of 5:00 p.m. MST Monday-Friday. This includes calling to verify your information and e-signing your online loan documents.

If you require funds the current business day, you can request a wire transfer up to 2:00 p.m. MST Monday – Friday. For loans processed on weekends or bank holidays, you will receive the wire transfer the next business day. Please verify with your bank as additional incoming wire fees may be assessed.

To make sure your funding isn’t delayed, keep an eye out for your confirmation email from TCN. It contains your username and password, and you’ll need those to access, review and e-sign your loan documents. If you don’t see your confirmation email within an hour of applying, check your spam folder. If you are still unable to locate the email, call our Customer Care Agents at 1-800-346-9348 for assistance.

Your interest rate and fees will be specified in your loan agreement. You can also visit our Rates page for more details.


You can lower the overall cost of your loan by paying it off early. Target Cash Now does not charge any prepayment penalties or fees.

Target Cash Now lends a maximum of $1,500 to qualified first-time customers. Repeat customers may borrow a maximum of $2,500. However, TCN strongly suggests you borrow only the minimum amount needed to cover your emergency expense.

If you need to cancel your loan, you have the Right to Cancel. Call our Customer Care Agents at 1-800-346-9348 by 2:00 p.m. MST the business day after you receive your funds to begin the process of returning the funds interest-free. If you miss the Right to Cancel deadline, you can still pay off your loan early without prepayment penalties and pay only the interest you’ve accrued up to your pay-off date.

All Target Cash Now loan agreements include a detailed schedule of payment amounts and due dates. You can have your payments automatically withdrawn from your bank account, or you can mail a money order or cashier’s check to Target Finance, LLC, PO Box 581 Hays, MT 59527.

Call 1-800-346-9348, and our Customer Care Agents will assist you with making additional payments, making larger than scheduled payments, or paying off the entire balance with one lump sum. Please note that additional/larger payments must be in increments of $25. Paying your loan off early will save you money on interest, and you won’t be charged any prepayment penalties or fees.

Call one of our Customer Care Agents as soon as possible to request a three-day courtesy extension. There is no fee for this extension, but it’s only available once during the life of your loan.

Target Cash Now abides by federal laws and regulations as incorporated by the Fort Belknap Indian Community, a federally-recognized and sovereign American Indian Tribe.

We transact all our loans via our secure SSL server, utilizing the industry’s highest standards. Data is encrypted and stored in an off-site location with multiple levels of digital and physical security protocols.

Your loan documents are available for review and download at any time during the life of your loan at https://targetcashnow.com by logging in to your account. If you need assistance, you can contact a Customer Care Agent via phone, chat, web message, or email.