Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.7
(25 Ratings)

Target Cash Now Review

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About Lender

Target Cash Now is a trusted lender that provides fast and easy loan solutions for people in urgent need of cash. Known for their quick loan process, Target Cash Now has most approved loans funded by the next business day and penalty free prepayments so you can pay off your loan early with no extra fees. This customer friendly approach shows they care about flexibility and your financial stability.

Target Cash Now offers term installment loans with approximately equal payments for unexpected expenses like medical bills, car repairs or emergency travel. Installment loans are a more manageable option than lump sum loans for short term financial emergencies. The application process is simple, credit checks with Clarity and MicroBilt to qualify and loans up to $2,500. This structured and responsible lending model shows they are focused on short term relief not long term solutions.

target finance now review

Key Features

  • Simple Application Process. Target Cash Now has a quick and easy online application process that can be completed in minutes.

  • Fast Funding. Most loans are funded the next business day after approval.

  • No Penalties for Early Payoff. Pay off your loan early with no penalties or fees.

  • Bullseye Rewards. They offer rewards throughout the loan lifecycle that can be redeemed for gift cards or principal paydown.

  • Term Installment Loans. Loans are term installment loans with approximately equal payments.

Pros and Cons

Pros

  • Quick Application. Simple and fast online application process.

  • No Early Payoff Penalties. Pay off your loan early with no extra fees.

  • Fast Funding. Most loans funded the next business day after approval.

  • Multiple Payment Options. Electronic and non-electronic payment methods.

Cons

  • Costly. Target Cash Now says their loans are a costly form of credit not for long term solutions.

  • State Restrictions. Not available in all states.

  • Bank Account Information Use. Collection and use of additional bank account information may be a concern for some applicants.

  • Special Services Transfer Limitations. Same day funding via Special Services Transfer is limited by cut-off times and may have additional bank fees.

Reliability

    • Secure Online Application. Target Cash Now’s online application process is quick, convenient and secure to protect personal and financial information for a safe borrowing experience.

    • Compliance. As an entity formed under the laws of the Fort Belknap Indian Community, a federally-recognized and sovereign American Indian Tribe, Target Cash Now complies with specific regulatory standards making them a legitimate financial service provider.

    • Transparency. Target Cash Now states their loans are for immediate borrowing needs not long term financial solutions. Transparency in how to use their loans.

    • BBB. Not accredited by BBB but has an A rating.

How to apply for a Target Cash Now Loan?

Apply for a Loan

  1. Visit Website. Start by navigating to the Target Cash Now website to begin the loan application process. Click on the "Apply Now" button located on the home page to initiate the loan application process.

  2. Complete the Application Form. Fill out the online application form with all the required information, which includes personal details, employment information, and financial details.

  3. Verify Your Information. After submitting your application, you will need to verify your information. This may involve confirming details over the phone or through an online verification process.

  4. Review and E-Sign Your Loan Agreement. Once your information is verified and your loan is approved, carefully review the loan agreement. If everything is in order, proceed to e-sign your loan documents electronically.

  5. Receive Your Funds. After completing the above steps, Target Cash Now will deposit the loan funds directly into your bank account. In most cases, funds are delivered the business day after your application has been processed and approved.

Conditions and Requirements

Conditions

  • Max Loan Amount. $2,500 after approval.

  • Interest Rate and Fees. Your interest rate and fees will be in your loan agreement.

  • Variable Terms. Loan terms, repayment schedule and conditions may vary based on your financial situation and lender’s policy.

Requirements

  • Regular Income. You must have regular income.

  • Age and Citizenship. You must be 18 or older and a U.S. citizen.

  • Checking Account. You must have an active checking account.

  • Military. You must not be active military or a dependent of someone who is active military.

Ways to Receive the Money

After Target Cash Now approves your loan, the fastest way to get the money is through direct deposit into your bank account. This way, in most cases, funds will be deposited the next business day after approval. Direct deposit makes it quick and easy for you to get your emergency cash without checks or in-store visit, so you can get financial help when you need it.

Products

Target Cash Now is a lender that offers short term loans to its customers. These are loans where you repay the loan amount in equal installments over a set period of time. Target Cash Now offers installment loans in various amounts and terms. Products may not be available in all states. Each product has its own requirements and terms so please review the product details before applying. Short term loans have high interest rates and fees so please consider the total cost of borrowing before borrowing.

Other Personal Loans

Reasons for Loan Refusal

Target Cash Now reviews loan applications in real-time to determine eligibility based on the lending criteria which includes verification of applicant information through credit reporting agencies such as Clarity, Factor Trust and MicroBilt. Reasons for denial may include not meeting the criteria such as no credit history, not enough income to repay or living in a state they don’t lend in (AR, CT, MN, MT, NJ, NY, PA, VA, WV). An application may also be denied if you request more than the maximum approved amount of $2,500. This strict review process ensures they only lend to those who can repay, responsible lending practices.

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How to Repay a Target Cash Now Loan?

Repay

Repaying a loan from Target Cash Now is designed to be as easy and flexible as possible, whether you prefer electronic or non-electronic payment methods. You can make installment payments through electronic payment methods such as ACH or non-electronic methods like cashier’s checks or money orders. Target Cash Now also offers penalty free prepayments so you can pay off your loan early without any extra fees. This way they can help you with manageable repayment schedule and flexibility to adjust to your financial situation.

Loans like Target Cash Now

OppLoans

Apply for a Loan

OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.

About OppLoans

Rise Credit

Apply for a Loan

RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.

About Rise

OneMain Financial

Apply for a Loan

OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.

About OneMain Financial

Universal Credit

Apply for a Loan

Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.

About Universal Credit

Editorial Opinion

Target Cash Now loans is an option for those who need short term financial help. With a simple application process and fast fund disbursement, they are perfect for those who need money now for unexpected expenses or emergencies. Being able to apply online and get the funds deposited to your bank account in a short time is very convenient in urgent situations. However, borrowers should be cautious and read the loan terms thoroughly. Like any financial product, these loans have fees and interest rates that can add up to the total cost. Please read the loan agreement including repayment schedule and fees before you decide. As with any lender, transparency of Target Cash Now in providing loan terms is important so borrowers can make informed decision that fits their financial situation.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

Sources

FAQ

What is Target Cash Now?

Target Cash Now is a company that offers short-term installment loans. The company provides loans of up to $2,500 with a repayment period of up to 18 months, and the loan amount and repayment terms can vary depending on the borrower's creditworthiness and other factors.

To apply for a loan from Target Cash Now, borrowers need to fill out an online application form, provide some personal and financial information, and submit it for review. The company claims to offer quick approval and funding, with the loan amount deposited into the borrower's bank account as soon as the next business day.

Is Target Cash Now a payday loan?

Target Cash Now is not a payday loan company. However, it does offer short-term installment loans, which may have similarities to payday loans in terms of the loan amount, repayment period, and interest rates.

Payday loans typically involve borrowing a small amount of money that is due to be repaid on the borrower's next payday, usually within two to four weeks. These loans often come with high fees and interest rates and can be difficult for borrowers to repay on time, leading to a cycle of debt.

In contrast, short-term installment loans offered by Target Cash Now and other companies allow borrowers to repay the loan over a longer period of time, usually in several installments. While these loans may still have high interest rates and fees, they may be a better option for borrowers who need more time to repay the loan.

Is Target Cash Now loan legit?

Target Cash Now is a legitimate lender, but like any lender, borrowers should carefully consider the terms and conditions of the loan before applying. The company offers short-term installment loans of up to $2,500 with repayment terms of up to 18 months.

While the company may be legitimate, it is important to note that short-term installment loans can be expensive, with high interest rates and fees. Borrowers should be aware of the total cost of the loan, including all fees and interest charges, and consider whether they can afford to repay the loan on time.

Additionally, borrowers should be aware of potential scams and fraudulent lenders in the lending industry. It is important to only borrow from reputable lenders that are licensed to operate in your state and have a positive reputation. Before applying for a loan from Target Cash Now or any other lender, borrowers should do their research, read reviews, and check the company's license and credentials.

Can Target Cash Now payday loans sue you?

When a borrower signs a loan agreement with a lender like Target Cash Now, they agree to repay the loan according to the terms and conditions of the agreement. If the borrower fails to make payments or defaults on loan, the lender may take legal action to collect the debt, which may include filing a lawsuit against the borrower.

If you are having difficulty repaying a loan from Target Cash Now or any other lender, it is important to contact the lender as soon as possible to discuss your options. Depending on your situation, the lender may be willing to work with you to arrange a repayment plan or other solution. Additionally, it may be helpful to seek advice from a financial counselor or other professionals who can help you manage your debt and finances.

Company documents

Terms of Use
Privacy Policy

Target Cash Now loans are designed to assist you in meeting your immediate borrowing needs and are not intended to be a long-term financial solution. 

© Target Cash Now
Offers
Target Cash Now
Short-term loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.786
(23 Ratings)
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APR 795%
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1-6 months
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Target Cash Now calculator
Interest rates are given in accordance with the rates of the Target Cash Now of 10.02.2025
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Target Cash Now reviews 2025
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4.4
Pros
They guided me through the process over the phone and displayed a great deal of patience, especially since I'm not very computer-savvy.
Complain
4.4
Pros
I received excellent assistance, and my loan application was approved. This will help me improve my credit score.
Complain
4.4
Pros
Initially, I had doubts and thought it might be a scam, but to my surprise, it was legitimate, quick, and I received my funds on the same day. Thank you!
Complain
4.6
Pros
Having a conversation with the representative and receiving assistance in making my payments manageable was a positive experience.
Complain
2.4
Cons
I take responsibility for not thoroughly reviewing the interest terms. I find it astonishing that they can charge such a high rate. I borrowed $500, and now I'm required to repay them a total of $2,225!
Complain
1.4
Cons
This company was effective in securing the loan, but unfortunately, their communication and customer support left much to be desired. The information they provided during the loan process didn't align with reality. After obtaining the loan, they became unresponsive and it became nearly impossible to reach a real person for assistance. For a week, I made calls, but I was consistently placed on hold for more than 30 to 45 minutes each time. It seemed their primary focus was on withdrawing funds from my account, and when I stopped those withdrawals, they became uncooperative in addressing any issues I had with the account.
Complain
2
Cons
I'm currently facing a temporary financial challenge, and I reached out to inquire about the possibility of reducing my monthly payment. Unfortunately, I was informed that such accommodations weren't available. I must admit, I feel disappointed and wish there had been an effort to accommodate my request. Despite this, I will make the full payment as required. However, I've decided not to utilize their services in the future.
Complain
4.6
Pros
Target Cash Now was exceptionally fast, and I received my funds the very next day! I will certainly turn to them again if I find myself in a tight spot in the future.
Complain
4.4
Pros
The person I spoke with was incredibly friendly and helpful. I required assistance with funding after paying my son's college fees, and they were able to provide the support I needed. Thus far, I've had a great experience with their customer service.
Complain
1.8
Cons
The experience was just overly aggressive. I was nearly finished with my online loan application when I received a phone call from your company. The representative insisted I complete the process with her, essentially requiring me to do it all over again, which felt like a waste of time. As I was speaking with the customer service representative, I received another call from your company, which seemed quite excessive.
Ultimately, I did secure the loan, and I appreciate the assistance during my time of need. However, I must point out that your interest rates are extraordinarily high. It feels like you take advantage of individuals with lower incomes who can afford it the least.
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aggregation.company.allReviews
Company rating
3.7
/ 5
25 reviews
Application
3.6
Support service
3.6
Mobile App
3.7
Service quality
3.8
Your satisfaction level
3.7
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