tax refund advance loan turbotax

tax refund advance loan turbotax

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Tax refund advance

February 12, 2013

Where's your refund? You can get your tax refund instantly by signing up for a tax refund advance.

The IRS website states that “The IRS issued more than 9 out of 10 refunds to taxpayers in less than 21 days last year. The same results are expected in 2013.” This means that you will probably receive your federal tax refund within three weeks of e-filing your tax return.

If you file a paper tax return by postal mail, however, the IRS will likely issue your tax refund within six to eight weeks after receiving your return. If you file your tax return electronically online (also known as “e-file”), it will be processed faster in the IRS system, which means you can expect to receive your tax refund faster as well — usually within three weeks.

Expect delays if you filed your tax return late or if the IRS finds mistakes on your tax forms. But keep in mind that the IRS has millions of tax returns to process, therefore some delays may just be a result of high volume.

You can receive an immediate tax refund by getting a tax refund advance. This is also sometimes referred to as an "instant refund". A tax refund advance is essentially a loan that you get from the tax preparation service you use to file your income tax return. Many taxpayers like to request a tax refund advance because it's fast — you can receive the money as soon as your tax return is accepted by the IRS. Afterwards, you don't really have to do any work in repaying the loan because the IRS will send your actual tax refund check to the tax preparation service that gave you the tax refund advance.

Obtaining a refund anticipation loan (another term for a “tax refund advance”) is an affordable way to speed up the process of getting your money from your tax refund. By getting refund anticipation loan, you won't be left asking “where's my refund?” weeks after you file your return. Tax refund advance loans provide cash equal to the amount of your actual tax refund, and they do so in a very short amount of time.

6 Cheap Ways to Get a Tax Refund Advance

Tax refund advances could be especially appealing to taxpayers this year because of a federal rule that will delay refunds for filers claiming the earned income tax credit or the additional child tax credit. These filers tend to be lower-income Americans who like to complete their tax returns as early as possible – Jan. 23, 2017, was the first day taxpayers could file for 2016 taxes – so they can use their refund to pay their bills. But to help combat fraud and mistakes that have cost the Internal Revenue Service (IRS) substantial sums, the tax agency delayed refunds until Feb. 15 for early filers claiming these credits.

Tax refund advances, also called tax refund loans, are described as totally interest-free and fee-free loans of up to $1,300 that the three major tax preparation companies – H&R Block, Jackson Hewitt and Liberty Tax Service – are offering for a limited time this tax season to customers who are due a refund and who file their taxes in person at a participating location. These aren’t the same as the pricey tax refund anticipation loans offered a few years ago, which the government banned because of their high fees. The big draw of these new tax refund loans, besides being zero cost, is that they let taxpayers receive part of their refund from the tax prep company within as little as a few hours instead of waiting up to several weeks to receive their full refund from the IRS.

How Tax Refund Advances Benefit Tax Preparation Companies

Why offer totally free loans to tax prep customers? It’s to get them in the door and collect fees on other services. With fierce competition from less expensive do-it-yourself services, such as TurboTax, TaxAct, TaxSlayer and Credit Karma Tax, brick-and-mortar tax prep services need a way to distinguish themselves and regain market share. Refund loans are a way to offer something that tax prep software cannot.

The loans do not actually come from the tax prep companies themselves but from banks that work with them: MetaBank for H&R Block and Jackson Hewitt, and Republic Bank & Trust Company for Liberty Tax Service. When a customer signs up for one of these loans, the IRS sends the money to the financial institution associated with the tax preparation company, which then disburses the funds to the customer. When a taxpayer’s refund arrives, the tax prep company collects the loan funds it advanced, then remits the remaining refund to the customer. (For more, see Should You File an Early Tax Return?)

Tax prep companies are at risk of not getting repaid for their tax refund loans if the IRS calculates a lower refund than the tax preparer does, but they say they will not pursue borrowers for loans that can’t be repaid. The loans are not free for tax preparers to offer, but they can write off the costs as marketing expenses.

Perhaps most important, these loans are a way to get consumers to pay for tax preparation services, as they are only available to customers who pay to have their returns professionally prepared in person. Other services taxpayers can end up paying for once they’re in the door are refund transfer accounts that allow customers to finance tax preparation fees and the fees associated with prepaid debit cards on which customers can receive their loans and tax refunds. (For more, see 'Free' Tax Refund Loans: Are They Really Free?)

Alternatives to Tax Refund Loans

While refund loans themselves are free, the tax preparation associated with them can be expensive, and the fees may not be clear up front. In addition, some consumers may rack up high fees using the prepaid cards on which these funds are delivered, depending on how they use them. Taxpayers who want to save money should consider these alternatives.

  • E-file your return and request direct deposit of your refund to your bank account or a low-fee prepaid card. (For more, see 3 Prepaid Debit Cards with No Monthly Fees.) Officially, you should allow 21 days to receive your refund, but direct deposit refunds will usually arrive in two weeks or less. Electronic returns are processed much faster than paper returns, often within 24 hours, and direct deposit gets money into your account faster than a mailed check. If you request a check, once it arrives you still have to deposit it in your bank account and wait for it to clear. Checks can also get lost or be stolen.
  • Paper-file your return and request direct deposit or prepaid card deposit. Your refund will usually arrive within three weeks after your paper return is processed, which can take four weeks. This method is inexpensive but cumbersome and may be too slow for taxpayers who are relying on their refunds to make ends meet.

You can keep tabs on the status of your refund at You’ll need to know your Social Security number, filing status and exact refund amount.

If you need money faster than these options allow, consider borrowing possibilities such as personal loans, credit cards and even payday loans. We aren’t a huge fan of these options in general, because of their high interest rates, but sometimes they are the best choice. (For more see When Are Personal Loans a Good Idea?, Why a Credit Card Is Better Than a Payday Loan, 3 Tips for Using Payday Loans, Car Title Loans: Good Option for Fast Cash? and How a Cash Advance Works.)

Shop around to see what the least expensive choice will be for your situation. Paying a high annual percentage rate for a week or two may be less expensive than paying to have your taxes professionally prepared, especially if you also have to pay a fee to borrow the tax prep fee. Many low-income taxpayers can have their taxes prepared for free; there’s no need to pay if you qualify for help.

Alternatives to Paid Tax Prep Services

Avoiding the potentially high fees associated with getting your taxes professionally prepared can certainly help with your finances. Consider these options:

  • The IRS’s Volunteer Income Tax Assistance program for taxpayers with incomes of $54,000 or less, taxpayers with disabilities and those who speak limited English. If you qualify for the program, you’ll get free basic income tax return preparation from an IRS-certified volunteer.
  • The IRS’s Tax Counseling for the Elderly program uses IRS-certified volunteers who specialize in tax matters related to pensions and retirement issues. There is no age requirement, but the program is generally intended for those who are 60 or older.
  • The IRS’s Free File Software is available to taxpayers whose income is $64,000 or less. (State returns may still incur a small fee.) Choose the software from a number of well-known companies, including TurboTax, H&R Block and TaxAct.
  • Free 1040EZ form preparation, which is offered in stores by H&R Block. If you have a simple tax situation – for example, you don’t itemize your deductions on schedule A and don’t have self-employment income – you may be able to use this service.

The big three tax prep companies say that they have not raised their tax prep fees for 2016 filers and that they do not charge different fees based on whether a customer takes out a tax refund loan. But the New York Times has reported that “tax preparation prices are frequently opaque, and wildly variable.”

If you do choose to work with a tax prep company, ask for a detailed estimate of your final price up front and don’t let anyone pressure you into paying fees you can’t afford. After getting an estimate, you may wish to see what your other options are for preparing your taxes and borrowing money to tide you over until your refund arrives. Depending on your tax situation, you stand to save as much as a few hundred dollars. (For more, see 5 Smart Ways to Use Your Tax Refund.)

Looking for a Tax Refund Loan - Has Got You Covered - Official Tax Refund Loan Website

Tax Refund Loans are avaialable right now - just Apply Now Above to get started and receive an approval within 90 seconds of completing your application and get funds deposited into your bank account today and available for you to spend by the next banking day. For security reasons, your never asked for copies of your tax return, so you can apply even before you file your taxes. Apply with confidance!

No matter if its tax time or you filed an extension, it can be difficult to wait for the tax refund you are owed, especially if you are already in financial distress. This is why we want to help you get the cash you need and get it fast. You can look elsewhere - but we've got you covered. Here you will find that we provide more than just a standard income tax loan service but also provide access to tax return installment loans, 1 hour tax return loans and line of credit tax loans. Start the process right now, where it says "Apply Now!" or "Get Cash Now!" above and you'll be glad you did.

Once you submit the application you just wait about 90 seconds while the application is processed and approved. Once approved you will be redirected to the loan document which will clearly show the loan rate and terms for which you were approved. If you're satisfied with the tax refund loan rate and terms as provided then simply follow the instructions for providing your electronic signature and you're done. If by some chance you're not satisfied with the terms or cost of the loan then simply close your browser and it costs you nothing.

Does eTax Loan file my taxes, too?

No, but we do get you cash fast by providing tax refund loans / refund anticipation loans. To be clear; we do not file your taxes for you. Our goal at eTax Loan is to get you the money you need and get it to you as fast as possible. With our loans there is no paperwork or office visits required, in fact, you can complete the entire process from the comfort of your own home on your computer or even your cell phone. *** More Great News *** It is not necessary to file your taxes before you apply for an income tax loan with us, but we do advise that you file as quickly as possible to avoid additional fees and to ensure timely repayment of your Tax Refund Loan.

We are not a tax preparation service we still want you to get your taxes filed quickly so you have the money available to repay your Tax Refund Loan as soon as possible therefore we recommend you find a tax preparation service in your area to assist you with filing your taxes. Since we don't ask for or even need copies of your tax returns to qualify you for a loan, you can apply here and now for a tax refund loan either before or after you file your taxes. It's your choice! Start your appliction here and now and get a super fast Tax Refund Loan.

What should I know about Tax Refund Loans?

The most important thing you should know is that we work hard to ensure your tax refund loan is processed in a timely manner. Applying is simple - all you need is your computer, a few minutes, and perhaps a cup of coffee. Our application process is also simple and can be completed in as little two minutes with an approval within seconds!

No worries about your application being sent to different lenders as we have direct lenders available 24 hours, 7 days a week to help process your request. Once you're approved, you sign your loan document and you are all set! Your income tax loan will be deposited directly into your checking accout by the next business morning. If you are in a rush, you can get a tax anticipation refund loan in as little as 1 hour with our 1 hour income tax loans, talk about fast!

I Need More Time to Repay a Tax Refund Loan!

We understand that sometimes, you just need more time to repay your tax refund loan, and that's okay! We have lenders that are available that can provide you with tax return installment loans and line of credit tax refund loans as well.

It may not be possible to pay the entire lump sum back in one payment, we understand that. With a Tax Return installment loan, you will be able to work out a payment plan that fits your budget.

We understand that you might not be sure if you need all of the cash at once, nor do you want the responsibility of paying it back all at once. This is why we offer line of credit to our customers as one of our services. A line of credit tax refund loan allows you to qualify for a certain amount and draw on the cash when you need it most. You can use the line of credit option for flexibility of using the cash when you need it and paying it back with an established payment plan.

Don't let your tax refund be delayed, choose to work with us here at and get the solutions you need with a payment plan that fits your wallet - after all, we did write the book on tax refund loans!

Important Note: You will not be asked for a copy of your tax return, because we base the amount of your tax return loan on your income. Our tax return loans are provided as a means of helping you with a short-term financing opportunity and should not be used as a long-term option. Before entering into this type of loan, it is advised that you speak with an appropriate professional.

We are not the broker or the lender. The operators of this website do not issue the loans directly to you. We are not brokers, lenders, representatives or agents thereof and are only here to provide a service. Tax refund loans and credit decisions are not made by us. Instead, your information is collected and sent to the appropriate lending agency, or broker who will then secure the loan. We do not issue financial terms – the lender is responsible for this and thus, all questions or concerns should be addressed directly to the lender. Lenders do not typically seek your credit report through the three major reporting bureaus: Trans Union, Equifax or Experian. However, lenders may seek reports from alternative providers upon their sole discretion.

Limitations – you should not expect that all lenders will be able to provide you with up to $1,000, especially if this is your first loan. The amount you receive is often dependent upon several factors including the state in which you live as well as the information that is provided to the lender. There is no implied guarantee in that upon applying for a tax refund loan through website that you will be approved. The amount of time it takes to receive your funds is dependent on your lender and your financial institution. Faxing may be required in certain instances. Tax refund loans and alternatives thereof are not available in all states. The states that are indicated on this website may change at any time without any further notice to the consumer. Services and offers are void where they are prohibited.

We do not make any endorsements. The owners of this site are purely marketers who are, in turn, compensated for services as we have described in our marketing disclosure. As thus, we do not recommend or endorse any of the services that are advertised through or on this website.

Number One Source for Tax Refund Loans and Refund Anticipation Loans

Tax time is here so it's time for you to get your income taxes back sooner with the help of We understand you need cash fast! So we have designed our online application to be user friendly with approval provided in as little as 90 seconds. Technology can do a lot, but sometimes you need a little extra help with the process. That is why we have established these outstanding loans to provide help when you need it most! If you need your tax refund back fast then start the process today with is the #1 source for Tax Refund Loans and Refund Anticipation Loans offers the following loans for your financial needs:

  • - Income Tax Advances, Tax Refund Loan, Tax Anticipation Loan or Tax Refund Advance loan
  • - Tax Refund Installment Loan or Tax Anticipation Installment Loan
  • - Tax Refund Anticipation Loans in 1 Hour
  • - RAL Loans in 1 hour
  • - Tax Refund Line of Credit Loan

Does File My Taxes for Me?

Our service is designed to get you cash fast through a tax refund loan or tax refund anticipation loan. We do not file your taxes for you so you still receive your refund, not us. We want to be very clear about that! We are in the business of getting you the money you need, when you need it most, not filing taxes. is not designed to file your taxes as that would involve a lot of paperwork, costly software, office visits, and income verification. The best thing about is that none of that is necessary to get you cash fast. To make things even quicker and easier you are not even required to file your taxes prior to applying for a tax refund loan with However it would be a good idea to file your taxes as quickly as you can so that you have the money to repay your loan in as quickly as possible. Most Tax Refund Loans and Refund Anticipation Loans are due in a few weeks or you may be required to pay additional fees. Extending the loan is a possibility but you will need to be prepared to pay additional fees. We are not a tax preparer service. We extend quality short term tax refund loans and Refund Anticipation Loans. Rest assured, we have highly qualified staff with years of experience to help guide you through the process.

How Much Do Tax Refund Loans and Refund Anticipation Loans Cost and What are the Terms?

Once you have submitted the application online you simply wait for about 90 seconds while the application is processed and approved. Once approved your browser will be redirected to a loan document which will clearly show the cost of the tax refund loan and all terms for which you were approved. If you're satisfied with the tax refund loan cost and terms as provided then you simply follow the instructions for providing your electronic signature and your done. Yes it's that easy. If by some chance your not satisfied with the terms or cost of the loan then simply close your browser and it costs you nothing.

What are the other most important things to know About Tax Refund Loans and Refund Anticipation Loans?

The most important thing to know is that has worked hard to make the approval process for tax refund loans and refund anticipation loans as simple and easy as possible. If you have a computer and just a few minutes of time to input your information, we will do the rest. After you enter your information all you need to do is sit back, relax and wait a few short seconds for your approval. It really is that simple!

We ONLY focus on tax refund loans and refund anticipation loans so you don't need to stress about your information being passed from lender to lender. We only work with a few select quality lenders who are online now waiting to get you approved. That's right; they are waiting for you to simply enter your information 24/7.

Once you receive the approval, the loan document will need to be signed and then you are finished! On rare occasions your lender may need additional information. In this case the lender will quickly contact you directly so that you will receive the cash fast! Also, you are more than welcome to contact the staff or your lender anytime with questions. Once all the information has been received and you have been approved the money will be in your bank account the very next business day if approved before 5 p.m.

Wait a minute; I need My Tax Refund Loan Faster than tomorrow!

The highly qualified staff at has worked tirelessly to streamline the process for a tax refund anticipation loan. After the amazingly fast approval is received, does business with lenders that specialize in tax refund anticipations loans in 1 hour. No need to worry, we can help if you need your money faster than 24 hours. Take a look at our page on tax refund anticipation loans in 1 hour (RAL loans in 1 hour).

We Have Tax Refund Installment Loans

Tax refund installment loans or also known as RAL Installment Loans are loans which provide longer terms and lower payments. It this interest you, we can provide this type of loan as well. We have lenders online right now available 24 hours a day, seven days a week that are waiting to take care of your cash needs. We can and will get you the type of loan that best fits your financial needs. If payment of the loan in full or larger than normal payments do not fit your lifestyle then a tax refund installment loan or RAL installment loan is exactly what you need. The best thing about it is that you will get the same quality fast service you deserve and expect while receiving more comfortable payment terms.

What if I need a Tax Refund Line Of Credit?

You will be happy to know that we provide this service as well! provides tax refund lines of credit. Our lenders who specialize in providing you with a tax refund line of credit are available 24/7 to provide this service. These days most people are extremely busy and we understand. Our lenders are ready right now to approve your tax refund line of credit. The approval process is extremely fast, usually within 90 seconds. You don't need to worry about bad credit or now credit because there are no credit checks to apply. If you need a little cash now to pay rent or buy groceries and more later to pay your car payment, than this is the way to go. Traditional tax refund loans and refund anticipation loans do not provide a way for you to get more cash without going through the approval process again. The tax refund line of credit will allow you to continue to get more cash as you need it, with payments that fit your budget.

At, We Wrote The Book On Tax Refund Loans and Refund Anticipation Loans is the company the competition attempts to mimic. We are the one and only and we can prove it. If you desire a tax refund anticipation loan you will not find a better company. We are number one at what we do. Our website and our lenders concentrate on tax refund loans and refund anticipation loans. It's our focus and we do it well! And don't forget we are not tax preparers and do NOT file your taxes. That is actually a good thing! That means that you don't have to be burdened with all that tax or income verification documents. We will not need them to qualify for a tax refund anticipation loan. Even better, bad credit or no credit is not an issue at all! Our lenders will not ask for these documents or perform traditional credit checks. Our only goal is to get you cash fast before or during tax season! will always suggest you file your taxes as soon as you can, if not before applying for a tax refund anticipation loan. The best approach is to file your taxes first so you can repay the loan when it becomes due. If filing your taxes before you apply for the loan is not possible and you need cash now, no problem. Our lenders can take care of an extension if needed. Keep in mind an extension will cost you a little more.

Where Do I Apply for a Tax Refund Loan or Refund Anticipation Loan?

You apply for tax refund loans or refund anticipation loans right here on this website. Click this link: Apply for a Tax Refund Loan or Refund Anticipation Loan Now or start at the top of this page

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