Cost of Your Short-Term Installment Loan

Your loan agreement details the dates and amounts of your payments, APR, and specific fee information, including any applicable fees for late and NSF/returned payments. Your documents are available for review and download at any time during the life of your loan and can be accessed by logging in to your account here. Always carefully review all financial documents, and call our Customer Care Agents if you have any questions or concerns: 1-800-346-9348.

Manage the cost of your loan by borrowing the minimum amount needed to cover the cost of your emergency expense. Additionally, save interest by repaying your loan as soon as your finances allow, without worrying about prepayment penalties or fees. Our Customer Care Agents can help with any additional payments, larger than scheduled payments, or early pay-offs at 1-800-346-9348. Please note that additional/larger payments must be made in $25 increments.

Payment Schedule

Your loan agreement includes a payment schedule specific to your loan, including the number of payments, dates and amounts due. Included below is a sample payment schedule for a $400 loan. Please note that your APR will vary based on the loan amount and term. You can reduce the overall cost of your loan by paying the balance off early without prepayment penalties.

Funding Timeframes

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 meet the cut-off time of 5:00 p.m. MST Monday-Friday. This includes e-signing your loan documents and calling to verify your application information.


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 is not delayed, keep an eye out for your confirmation email, as it contains your username and password. Log in to your account, carefully review and e-sign your loan documents, then call our Customer Care Agents at 1-800-346-9348 to verify your loan details and arrange for a wire transfer, if needed. If you don’t see your confirmation email within one hour of applying, check your spam folder. If you are still unable to locate the email, call our Customer Care Agents for assistance.

Late/NSF Fees

For any payment that is late five or more days, you will be charged 10% of the amount of the outstanding scheduled payment. If any payment is returned due to insufficient funds or not honored by your financial institution for any reason, you will be charged a $35 NSF fee.