Frequently-asked questions (FAQ)
WHAT IS A INSTALLMENT LOAN?
An Installment loan is a loan that is repaid with a fixed number of periodic payments, generally due on paydates. This loan gives you the flexibility of paying back your loan over a greater time period than a payday loan. A benefit of an installment loan is that you can repay your loan in full at any time or make additional payments without penalties.
WHAT DOES IT COST?
Our costs are simple and straight forward. Your fees are less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work! For details on Fees and Rates, please go to our RATES page.
Our short-term installment loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, and medical bills are just some of the urgent cash needs you may experience. Funds can often be sent to your bank account the business day after your loan details have been verified and approved.
CAN I QUALIFY?
Qualifying is easy and you don’t need to worry about your credit. These are some examples of minimum requirements:
* Currently have a job (or receive regular income)
* Make at least $1,000 per month (gross income)
* Are 18 years of age or older and a U.S. citizen
* Have a checking account
* Other requirements may apply
* Members of the military are not eligible for loans through this site
Does It Matter If I Have Bad Or No Credit?
It does not matter if you have bad credit or no credit at all. Applications do not involve credit checks from major consumer reporting agencies. Our loans are designed to help people in need of emergency cash. Target Finance understands that you may have had credit troubles in the past.
Is My Loan Secure And Confidential?
When Will My Loan Be Due?
Your payments for your loan will be on the dates shown on your payment schedule in your loan agreement. Generally, your payments are due on your pay dates.
How will I know if I'm approved?
One of our Loan Managers will contact you and/or you will receive an email notification to complete the application process.
What if I can't make my payment on my due date?
You may request a 5 day courtesy extension of your due date with no additional fee. This option is available once per loan.
What laws apply when doing business with Target Finance, LLC?
Tribal law will apply to your loan agreement, not state law.
WHEN DO I REPAY?
Your repayment is the best part. There are options:
* For convenience, you can have the money paid directly from your bank account.
* Some choose to pay manually by mail by using Cashiers Check or Money Orders. Simply mail the payments to TARGET FINANCE, LLC, PO Box 581, Hays MT 59527
Contact our Customer Service Department (TOLL FREE) at 1-800-346-9348 to review the options and setup what works best for you.
WHEN DO I GET MY MONEY?
As long as the necessary cut off times are met, it’s possible to have funds deposited into your bank account the business day after your loan has been processed and approved.
To e-sign your loan documents, you’ll need your account login and password, which will be e-mailed to you. If you do not receive this email, please call Customer Service at 1-800-346-9348.
HOW MUCH CAN I QUALIFY FOR?
How much you qualify for depends on a number of factors. To see how much you can qualify for, simply complete this fast two minute online application, speak with a loan agent and if you qualify, your cash in on the way. Usually the next business day! AND DO NOT WORRY, any CREDIT TYPE CAN QUALIFY, EVEN BANKRUPTCY, CHARGE-OFFS and BOUNCED CHECKS.
HOW CAN I MAKE MY LOAN PAYMENTS?
You have the choice of paying by ACH, debit, direct pay, cashier’s check, or money order.
CAN I GET MY DOCUMENTS ANOTHER WAY?
If you do not have a printer handy, there are several ways to get copies of your document to you. Customer Service can email them to any email address you request.
Please contact Customer Service (TOLL FREE) at 1-800-346-9348 or email us at CustomerService@TargetCashNow.com and our helpful representatives will assist you with the details.
HOW DO I REPRINT MY LOAN DOCUMENTS?
You are able to reprint your loan documents at any time during the lending process and by revisiting the web site and logging into your customer portal page. If you need assistance on how to reprint your loan documents; contact Customer Service (TOLL FREE) at 1-800-346-9348. They can help you with the process or email your documents to an email address you request for later printing at another location.
I'M A LITTLE LOW ON FUNDS. CAN I GET AN EXTENSION?
If you are unable to make your regularly scheduled payment, please contact our Customer Service Department (TOLL FREE) at 1-800-346-9348. Our Agents will work with you to devise a payment plan that meets your needs.
HOW DO I PAY EARLY?
You may pay all or part of your loan in advance without penalty. In order to pay early please contact our Customer Service Department (TOLL FREE) at 1-800-346-9348.
Target Finance, LLC dba Target Cash Now (“Target Cash Now”) is an entity formed under the laws of the Fort Belknap Indian Community (the “Tribe”), a federally-recognized and sovereign American Indian Tribe. Target Finance, LLC is wholly-owned by the Tribe. Target Finance, LLC is a licensed lender authorized under the Tribe’s Tribal Regulatory Authority.
You acknowledge that, by submitting and completing the online loan application, you are applying for a loan. Target Cash Now reviews your information in real-time to determine whether it meets our lending criteria. Loan applicant information is verified through credit reporting agencies such as Clarity, Factor Trust and MicroBilt, and Target Cash Now may obtain your credit information in order to determine your eligibility and ability to repay.
Please note: This is an expensive form of borrowing and is not intended to be a long-term financial solution.
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. Examples of reasons why these loans might be used include, but are not limited to, unexpected emergencies, car repair bills, medical care, or essential travel expenses.
This is a term installment loan with approximate equal payments, but you have the right to prepay at any time.
Target Cash Now gives you the option to make installment payments and pay off your loan by electronic payment methods (i.e. ACH, ) or non-electronic methods (i.e. cashier's check or money order).
Target Cash Now does not lend to residents of AR, CT, DC, MT, NC, NJ, NY, PA, VA, WV. Availability of installment loans is subject to change at any time and at Target Cash Now’s sole discretion.
Upon approval, the maximum loan amount is $2,500. Target Cash Now cannot approve a new loan exceeding the maximum amount as stated herein.
*Rapid Funding Disclaimer: Rapid Funding may be limited by funding time frames and cut-off times. Applications processed and approved before 5:00 p.m. MST Monday – Friday are typically funded on the next business day. If you require funds on the current business day, you can request a wire transfer up to 2:00 p.m. MST Monday – Friday or a next-day wire transfer for loans processed on weekends or bank holidays. Please verify with your bank as additional incoming wire fees may be assessed.
**COLLECTION AND USE OF BANK ACCOUNT INFORMATION:
If Target Cash Now approves a loan application, the bank account information provided by the consumer will be eligible for processing payments. Additionally, as part of the information collection process, Target Cash Now may detect additional bank accounts under the consumer’s ownership. Any such additional accounts will be considered to be part of the application process.
*** For underwriting and verification purposes only. Target Cash Now always obtains prior and separate consumer authorization before attempting to obtain additional bank account information to be used as potential payment options.
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