About TARGET CASH NOW
TARGET CASH NOW is a reputable tribal lending entity owned and operated by the Northern Plains Tribe. Established in 2015, they provide fast and accessible online loan solutions designed to help customers address immediate financial needs with flexible repayment options.
As a tribal lender, TARGET CASH NOW operates under the sovereign immunity of the Northern Plains Tribe, allowing them to offer loan products that may differ from those regulated by state laws. They specialize in providing personal installment loans to borrowers across various credit profiles, including those with less-than-perfect credit who may not qualify for traditional bank loans.
Loan Types
Personal Installment Loans
Loan Amounts
$500 - $5,000
APR Range
195% - 399%
Funding Time
As soon as same business day
Contact Information
Website
www.targetcashnow.comAddress
325 Tribal Territory RoadBismarck, ND 58503
United States
Loan Products Offered by TARGET CASH NOW
TARGET CASH NOW offers flexible loan products designed to meet various financial needs and emergencies. Below is detailed information about the types of loans they provide:
Personal Installment Loans
TARGET CASH NOW's personal installment loans provide immediate cash funding for various purposes, from unexpected medical bills to car repairs, home improvements, or debt consolidation. These loans typically range from $500 to $5,000 with structured repayment plans designed for your budget.
Key Features:
- Quick one-time funding for immediate financial needs
- Fixed interest rates throughout the loan term
- Scheduled bi-weekly or monthly payments
- Repayment terms from 6 to 48 months
- No early payment penalties
- No restrictions on how funds can be used
- Available to borrowers with less-than-perfect credit
Emergency Cash Loans
TARGET CASH NOW's emergency cash loans are designed for situations where you need funds quickly to handle unexpected financial crises. These short-term loans provide rapid access to cash when you're facing urgent expenses like medical emergencies, car repairs, or other unforeseen situations.
Key Features:
- Expedited application and approval process
- Same-day funding available for applications approved before 10:30 AM CST
- Loan amounts from $500 to $2,500
- Shorter repayment terms from 3 to 12 months
- Minimal documentation required
- Available to customers with poor credit history
Loan Comparison
| Loan Type | Amount Range | Term Length | APR Range | Funding Time |
|---|---|---|---|---|
| Personal Installment Loans | $500 - $5,000 | 6 - 48 months | 195% - 365% | Next business day |
| Emergency Cash Loans | $500 - $2,500 | 3 - 12 months | 245% - 399% | Same day possible |
Customer Reviews & Testimonials
TARGET CASH NOW saved me when my car broke down and I needed immediate repairs to get to work. The application was super easy, and I had the money in my account the same day! Their customer service was friendly and walked me through the whole process.
I've used TARGET CASH NOW three times now when unexpected expenses came up. Their online system is reliable and straightforward. The interest is high, but when you have bad credit and need money quickly, they're there for you. The payment schedule was clear and manageable.
TARGET CASH NOW approved me when traditional banks wouldn't even consider my application. The process was fast, and their representative explained all the terms clearly. I received the funds the next morning after approval. Just be aware of the high interest rate before signing.
The website was easy to navigate and I could apply from my phone. TARGET CASH NOW provided exactly what I needed to cover my medical bills until payday. The mobile interface worked perfectly and I could track my application status in real-time. Great digital experience overall.
The interest rates are definitely high, but TARGET CASH NOW was upfront about all costs from the beginning. Their customer service team answered all my questions patiently, and the automatic payment system made repayment hassle-free. Just make sure you understand what you're signing up for.
I was impressed with how quickly TARGET CASH NOW processed my application. The verification was thorough but efficient, and I appreciated that they took time to verify my income rather than just approving me for a loan I couldn't afford. The flexibility with repayment dates was also helpful.
Note: These reviews represent the experiences of individual customers and may not reflect everyone's experience with TARGET CASH NOW. Loan experiences can vary based on individual financial situations, loan terms, credit histories, and other factors.
How to Login to TARGET CASH NOW's Website
Accessing your TARGET CASH NOW account online is straightforward and allows you to manage your loan, make payments, check balances, and view your account details. Follow these simple steps to log in to your account dashboard:
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Visit the Official Website
Open your preferred web browser and navigate to www.targetcashnow.com.
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Locate the Login Section
Look for the "Customer Login" or "Account Access" button, typically located in the top-right corner of the homepage.
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Enter Your Account Credentials
Enter your email address or username and password in the designated fields. These credentials were created when you first established your account during the loan application process.
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Click "Login" or "Sign In"
After entering your credentials, click the login button to securely access your personal account dashboard.
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Navigate Your Account Dashboard
Once logged in, you can view your loan details, check upcoming payment dates, make or schedule payments, update personal information, download statements, and access customer support.
Helpful Login Tips:
- Forgot Password? If you can't remember your password, click on the "Forgot Password" or "Reset Password" link near the login form. Follow the instructions to reset your password via email or text verification.
- First-Time Login: If this is your first time logging in after receiving your loan, you may need to complete a one-time account setup using information from your loan agreement and personal identification.
- Security Best Practices: Always ensure you're on the official TARGET CASH NOW website before entering your credentials. Look for "https://" in the URL and a lock icon in your browser's address bar to confirm the connection is secure.
- Mobile Access: TARGET CASH NOW's website is fully optimized for mobile devices, allowing you to manage your account from your smartphone or tablet with the same functionality as the desktop version.
- Session Timeout: For security purposes, your session may automatically log out after 15 minutes of inactivity. Save any changes before stepping away from your device.
Need Help Logging In?
If you experience any issues accessing your account, TARGET CASH NOW's customer support team is ready to assist:
- Phone: 855-682-7438
- Email: [email protected]
- Live Chat: Available on the website during business hours
- Hours: Monday-Friday, 7am-9pm CST
Frequently Asked Questions About TARGET CASH NOW
Frequently Asked Questions
Find answers to common questions about TARGET CASH NOW tribal installment loans.
TARGET CASH NOW offers personal installment loans ranging from $500 to $5,000 and emergency cash loans from $500 to $2,500. Their loans are designed with flexible repayment terms to help customers address both short-term financial needs and larger expenses with manageable payment schedules.
After approval, TARGET CASH NOW typically deposits funds into your bank account by the next business day. For emergency cash loans, same-day funding is available if your application is approved before 10:30 AM CST on a banking business day. The exact timing may depend on your bank's processing schedule and verification requirements.
To qualify for a loan from TARGET CASH NOW, you generally need to: be at least 18 years old, have a regular verifiable source of income, maintain an active checking account in your name for at least 30 days, be a U.S. citizen or permanent resident, provide a valid email address and phone number, and have a Social Security Number or Individual Taxpayer Identification Number.
TARGET CASH NOW's loans typically have APRs ranging from 195% to 399%, depending on your specific loan terms, amount borrowed, credit profile, and repayment schedule. Personal installment loans generally have lower rates (195%-365%) compared to emergency cash loans (245%-399%). It's important to review your loan agreement carefully to understand the exact cost of borrowing.
Yes, TARGET CASH NOW may perform credit checks as part of their approval process, but they typically consider factors beyond just your credit score. They use a comprehensive evaluation process that includes income verification, employment history, and banking information. Many customers with less-than-perfect credit or limited credit history are still able to qualify for their loan products.
Repayments for TARGET CASH NOW loans are typically made through automatic withdrawals from the same bank account where your loan funds were deposited. Payments are scheduled according to your pay frequency (bi-weekly or monthly) on your regular payday. You can also make manual payments through your online account, by phone, or via their mobile app. The specific repayment schedule will be clearly outlined in your loan agreement.
Yes, TARGET CASH NOW allows and encourages early repayment of loans without any prepayment penalties. Paying off your loan early can help you save significantly on interest charges. You can make extra payments at any time through your online account dashboard or by contacting customer service directly. When making early payments, you can choose to apply them to your principal balance or to future scheduled payments.
No, TARGET CASH NOW does not operate in all states. As a tribal lender, they offer loans in many states but exclude certain jurisdictions due to regulatory restrictions. Currently, they do not offer loans in Arkansas, Colorado, Connecticut, Georgia, Massachusetts, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, Washington, and West Virginia. Availability may change, so it's best to check their website for the most current information.
If you anticipate difficulty making a scheduled payment, it's important to contact TARGET CASH NOW's customer service team as soon as possible before the due date. They offer payment extensions and hardship programs in certain circumstances. Late payments may incur additional fees and could negatively impact your ability to borrow in the future. Communication is key – their representatives can often work with you to find a solution that fits your financial situation.
Our Verdict on TARGET CASH NOW
TARGET CASH NOW provides accessible loan options for borrowers facing financial emergencies or unexpected expenses, particularly those who may have limited alternatives due to credit challenges. Their streamlined application process, quick funding times, and flexible repayment options make them a viable option when traditional financing isn't available.
Their commitment to transparency is commendable, with clear disclosure of loan terms, fees, and APRs before finalizing agreements. However, like most tribal lenders, their loans come with high interest rates that make them an expensive form of borrowing. While they provide educational resources about responsible borrowing, consumers should carefully consider the total cost and only use these loans for short-term financial needs.
Pros
- Efficient online application process accessible 24/7
- Rapid approval decisions, often within minutes
- Same-day or next-day funding options
- Available to borrowers with less-than-perfect credit
- Flexible loan amounts from $500 to $5,000
- No early repayment penalties
- Responsive customer service team
- User-friendly online account management
Cons
- High interest rates compared to traditional lenders
- Potential for additional fees if payments are late
- Not available in all states
- High cost makes these loans expensive for long-term use
- Tribal lender status means different regulatory oversight than state-licensed lenders
- Automatic withdrawals may lead to overdraft fees if funds are insufficient