How Target Cash Now works
We are a free matching service, not a lender. Your request goes to lenders in our network who decide whether to make you an offer.
Tell us what you need
Choose an amount and a purpose, then complete a short secure form about your income and bank account. It usually takes a few minutes.
Lenders review your request
Participating lenders look at your details. If one can work with you, you are taken to that lender's site to see its offer.
Read the terms, then decide
The lender shows the APR, fees and repayment schedule before you sign anything. Accept only if the terms work for you.
Why people use our service
Comparing lenders one at a time is slow. One request through us can reach many of them.
Saves time
Fill in one form instead of applying separately with lender after lender.
Encrypted form
Your details travel over an encrypted (HTTPS) connection.
Free, no obligation
We never charge you. Submitting a request does not commit you to any loan.
All credit types can apply
Some lenders consider applicants with less-than-perfect credit. Approval is never guaranteed.
Terms before you sign
Every lender must disclose the full cost of credit before you agree, as required by the Truth in Lending Act.
Direct deposit
If you accept an offer, funds go straight to your bank account. Timing depends on the lender and your bank.
Basic requirements
Each lender sets its own criteria, but most ask that you:
- Are at least 18 years old
- Are a U.S. citizen or legal resident
- Have a regular source of income
- Have an open checking account in your name
- Have a valid email address and phone number
Borrow with a plan
Short-term loans can help with an unexpected bill, but they are an expensive form of credit and are not meant to solve long-term money problems.
- Borrow only what you need and what you can repay on schedule.
- Compare the APR and total repayment amount, not just the monthly payment.
- Ask the lender about late fees and renewal costs before signing.
- If you are struggling with debt, a nonprofit credit counselor may be a better first step.
Submitting a request does not guarantee an offer. Amounts, rates and repayment terms are set only by the lender and depend on your state and personal situation. See Rates & Fees for details.
Quick answers
Is Target Cash Now a lender?
No. We do not make loans or credit decisions. We pass your request to lenders in our network, and any loan agreement is between you and the lender.
Does it cost anything to submit a request?
No. Our service is free. A lender may charge interest and fees on a loan, and it must show you those costs before you agree.
Will submitting a request affect my credit score?
Submitting the form to us does not affect your credit score. A lender may check your credit with a major credit bureau or an alternative data provider before making an offer, and some checks can affect your score.
How soon could I receive money?
If you accept an offer, many lenders send funds by direct deposit as soon as the next business day. Exact timing depends on the lender, the time you sign, and your bank.