Step 1

Complete easy (online) tax interview and select YOUR tax refund preference (including the option of a holiday tax advance refund anticipation loan.

Tax advance refund anticipation loan online is a loan product. A refund anticipation loan is not required to e-file your tax return. If you select a tax advance loan there are no upfront fees to pay.
Step 2

Approve YOUR tax refund amount and provide YOUR direct deposit account (checking, savings, or prepaid card) for YOUR refund anticipation loan advance.

​Refund Anticipation Loan is a $1,278 tax advance refund loan not YOUR actual refund. There is no credit check and no finance fee $0 (APR 0%). Tax preparation fees do apply.
Step 3

Tax advance loan direct deposited to YOUR selected account (checking, savings, or prepaid card).

Refund Anticipation Loan is disbursed to YOUR account within 12 hours or less of IRS acknowledgement. Availability of funds may vary depending on YOUR financial institution.

Tax Advance Instant Tax Loan

Fast, safe, and secure refund anticipation loan via direct deposit to a checking, savings, or prepaid account. A tax advance loan is based on your actual refund so there is no credit check and no upfront fees to pay. All tax advances are $1,278 less tax preparation fees and $0 finance fee even if your actual IRS refund is delayed. A Tax Advance Instant Tax Loan is not your actual refund. Tax Preparation fees apply and are non-refundable. reserves the right to reject a tax loan application except for on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicant’s income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Please be responsible and consider all refund options prior to applying for a refund anticipation loan.

RAC (Refund Anticipation Check), AR (Assisted Refund), and ERD (Electronic Refund Deposit) are tax-related products that allow tax preparation fees deducted from YOUR refund upon completion of services and the balance of the refund disbursed to you by check, direct deposit or a prepaid card. Don’t be misled by fancy marketing names (“Refund Anticipation Check”, “Assisted Refund”, and “Electronic Refund Deposit") because none of these tax-related products speed up your tax refund deposit time. According to the IRS your actual tax refund will be processed within 8-21 days.

A Refund Anticipation Loan (known as a holiday tax loan, Income tax advance, instant tax loan, rapid refund, tax return loan, or same day tax refund loan) is not your actual refund. A finance fee of $0 (APR 0%) applies. A Refund Anticipation Loan allows you to receive a $1,278 tax refund loan advance less tax preparation fees upon approval direct deposited o YOUR checking, savings, or prepaid card account.

W-2 Electronic Access

​Get your tax anticipated refund amount using W-2 Electronic Access (same day). Eliminates the chance that your W-2 will get lost, misdirected, or delayed during delivery. Access your tax documents now. Online delivery of your original W-2 is available for select employers. To determine if your employer offers the service, just provide your employer details during the tax interview process. We will take care of the rest.

FAST: Don't wait for your W-2 to come in the mail. We will help you obtain your W-2 information today!
FREE: There is no charge for W-2 Electronic Access.
SECURE: Your W-2 is downloaded safely and secured with for 5 years.

Refund Anticipation Loan

Tax Refund Anticipation Loan also known as a holiday tax loan, tax return loan, rapid refund, instant tax advance, advance tax loan, instant tax loan, emerald advance loan, same day tax loan, 24 hour tax loan, income tax advance, tax refund line of credit or tax refund loan] is a loan and not YOUR actual refund. When you apply for a refund anticipation loan you are pledging YOUR actual tax refund as collateral for the tax loan advance. You do not have to apply for a tax refund anticipation loan in order to electronically file YOUR income tax return.

When you take out a refund anticipation loan, you are borrowing money against your tax refund. If your tax refund is less than expected, you will still owe the entire amount of the tax loan. YOU CAN GET YOUR REFUND IN 8 TO 15 DAYS WITHOUT PAYING ANY EXTRA FEES AND TAKING OUT A LOAN. You can have your tax return filed electronically and your refund direct deposited into your own financial institution account without obtaining a tax loan or paying fees for an extra product.

If you are applying for a refund anticipation loan there is no credit check because your instant tax loan advance is secured by YOUR tax refund. A refund anticipation loan has no finance fee $0 (APR 0%) but tax preparation fees are deducted from the $1,278 tax advance loan upon approval. Please be responsible and consider all options prior to applying for a tax refund anticipation loan. You do not have to apply for a RAL in order to e-file your taxes.

Scroll to top