Rate and Fee Information


Loan Amounts

The minimum initial loan amount is $300.00.

Maximum loan amount will be $2,500.00.


Cost of your Installment Loan:

The total payments due and APR will be disclosed on your loan agreement. The payment schedule on your loan agreement will include the number of payments, payment amounts and payment dates for the duration of the loan. For details on the specific fees of your loan, please see your loan agreement. Late fees and non-sufficient funds / returned item fees may apply as described in your loan agreement. Examples of the total payments charged of your loan are provided in the table below. Additional payments must be made in $25 increments. To minimize the cost of your loan, we strongly recommend that you pay your loan in full or make additional payments as soon as you can. There are no penalties for early payoff.


Payment Schedules

Your full payment schedule will be included in your loan agreement. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates. You control how soon you wish to pay your loan off. There will not be any prepayment penalties.

Below is a sample payment schedule for a $300 loan. Please note that your APR may vary based upon your total loan duration and amount funded. Remember that the sooner you pay back your loan, the less your total loan cost will be. If you are interested in paying your loan off soon and reducing the total cost of your loan, please ask a customer service representative about our accelerated payment option.


Target Cash Now SAMPLE Simple Interest Loan Payments

Approx. Payback: 12 payments (Sample is bi-weekly Payments)
Approx 795% APR
Payment Number Principal Amount Interest Amount Payment Amount When Payment is Due
1. $3.60 $95.40 $99.00 10/16/2015
2. $4.75 $94.25 $99.00 10/30/2015
3. $6.26 $92.74 $99.00 11/13/2015
4. $8.25 $90.75 $99.00 11/27/2015
5. $10.87 $88.13 $99.00 12/11/2015
6. $14.33 $84.67 $99.00 12/28/2015
7. $18.89 $80.12 $99.00 1/8/2016
8. $24.89 $74.11 $99.00 1/22/2016
9. $32.81 $66.18 $99.00 2/5/2016
10. $43.24 $55.75 $99.00 2/19/2016
11. $56.99 $42.00 $99.00 3/4/2016
12. $75.12 $23.88 $99.00 3/18/2016
TOTAL $300.00 $888.00 $1,188.00 3/18/2016

Funding Timeframes

Applications processed and approved before 4pm PST Monday – Friday are typically funded on the next business day. You can request same day wire transfer up to 2pm PST Monday – Friday or next day wire transfer for loans processed on the weekends or bank holidays for an additional $12. Please verify with your bank as additional incoming wire fees may be assessed.


Late / NSF Fees

If a payment is not made by your due date, you will be subject to additional fees. If a payment is returned because there are insufficient funds on deposit, or your payment is dishonored by your financial institution for any reason, then you will be assessed an NSF fee of $25. If any payment is late by more than two days after the due date, then you will be responsible for an additional $25 late fee.

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You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through credit reporting agencies such as Clarity, Factor Trust, and MicroBilt. We 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 emergency borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include 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

Customers also have the choice of paying by ACH (ACH, debit, e-check) and non-ACH methods (direct pay through cashier's check or money order)

Target Finance, LLC 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 the Tribe’s Tribal Regulatory Authority.

Target Finance, LLC. does business as Target Cash Now.

Target Finance, LLC does not lend to residents of Arkansas, Montana, Nevada, New York, Virginia, and West Virginia. Availability of installment loans are subject to change at any time at the sole discretion of Target Finance, LLC.

Target Cash Now reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may pull your credit in order to determine your eligibility and ability to repay.

If qualified, borrowers maximum loan amount is $2,500. Lender cannot approve a new loan amount that exceeds the maximum amount advertised.

* Same Day Funding Disclaimer: Same Day Funding may be limited by funding time frames and cut off times. Applications processed and approved before 4pm PST Monday – Friday are typically funded on the next business day. You can request same day wire transfer up to 2pm PST Monday – Friday or next day wire transfer for loans processed on the 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 we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.

*** For underwriting and verification purposes only. We always obtain prior separate customer authorization when trying to obtain additional consumer bank account information as a potential payment options.

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