Tax Refund Cash Advance Emergency Loans

Cash Advance Loan On Income Tax Refund Up to $35,000

Tax Refund Cash Advance Emergency Loans or Refund Anticipation Loans (RAL), as the name suggests, are loans offered against the anticipated income tax refund.

Cash advance on income tax refund, or sometimes referred as loan against tax refund as collateral, are small short term loans intended to cover various unexpected expenses which cannot wait until IRS refund’s. With an emergency personal or cash advance loan against tax refund the duration of the loan will be up to 60 months until the loan is required to be paid off. Tax refund cash advance loans are intended to cover reasonably small costs or use for emergency expenses therefore maximum loan amounts on average are limited up to $35,000.

How can i get a loan against my tax refund:

Cash Advance & personal Loan against tax refund available online from direct Lenders with easy & instant approval. Get up to $35,000 tax refund cash loan as soon as next business day.

  • Term & interest rates depends on the state & the amount you select.
  • There is no prepayment penalty. 
  • Amount as soon as next business day.
  • Checking your rate won’t affect your credit score.

Simple online application, give some basic info about yourself, credit score, employment, loan amount, loan purpose, age, address, phone number, email id, SSN.

Wait for few minutes, website will find right loan for you with best rates, term, and flexible payment options as per your eligibility.

Choose the right cash advance loan up to $5,000 for you. Pay back loan amount with easy monthly or bi-monthly installments.

  • Complete the online application form
  • Takes only minutes to submit
  • Not available in NY
  • No prepayment penalties

Personal loan against tax refund $1000 to $35,000 back:

You can get up to $35,000 loan against tax refund. Use personal loan against tax refund for holidays, consolidate debts, pay off credit card bills, or for any reasons.

If you look on the internet for same day tax refund lenders. You will find numerous lending organizations that are neither banks nor tax preparation service providers. The only thing is they are not the actual entities that will be granting you the emergency tax refund. Instead, they are intermediaries having access to a network of personal loan lenders who will lend money for seeking personal loans.

Apply here for personal loan against tax refund. Online direct Lenders review your application within few minutes in real time and give you emergency loan against tax refund.

  • APR 5% to 36%
  • Checking your rate won’t hurt your credit score.
  • Term 30 days to 60 months.
  • There is no prepayment penalty.
  • Loan deposited to your bank account within 1 to 3 business days.
 Tax Refund Same Day Cash:

The factors that could delay your tax refund payment are the method in which you filed your tax return and the number of errors that are on it. Any discrepancies on the tax return will cause you to wait at least 6-8 weeks to receive your refund after the problems are cleared up.

For some people, it may be no big deal to wait weeks for their refund. On the other hand, you may be in a situation where you are depending on that refund to pay your bills. Perhaps you need to pay for your child school tuition or you have to catch up on your mortgage or car payments. Whatever the reason may be, tax advance loans are the solution. These are emergency tax refunds that you can get right away before the government even issues your official refund out.

What exactly is a tax refund cash advance?

Well, the name speaks for itself. A tax refund advance is basically when you request a loan from a tax preparation service provider or some other third-party entity, such as a private investor, based on the amount of your anticipated tax refund.The reason these entities will likely agree to give you a cash advance on your tax return is because your tax refund is guaranteed by the government. This makes it a dependable source of collateral for the lenders who will have no problem issuing you the tax refund advance, even if it is a same day tax refund that you want.

Why do people look for Tax Refund Cash Advance Emergency Loans?

A tax refund loan is the return of excess income tax paid by you to the State or the Federal government. Usually, these refunds are processed within a few weeks from the date of filing the returns. Unfortunately, the IRS has a never ending list of returns to be processed which can take longer than expected.  For many people who live paycheck-to-paycheck, this can be a handy amount to manage certain expenses that they were putting off for later.The ‘Return-Filing-Season’, as we call it in our circle, also brings a host of offers for  such as Tax refund cash advance emergency loans.

The IRS endeavors to issue most refunds within 21 calendar days of filing the returns. However, due to the high volumes of tax refunds processed by the IRS, the refunds can take time. The delay in receiving can be due to one or more of the following reasons:

  • Tax Return Includes errors
  • Return is incomplete
  • Your tax Return is affected by identity theft or fraud
  • Return includes a claim filed before Feb. 15 for an Earned Income Tax Credit or an Additional Child Tax Credit
  • Return includes a Form 8379, Injured Spouse Allocation, which could take up to 14 weeks to process
  • Return needs further review in general

In the Fiscal Year 2016, the average tax-refund for an individual was $3,050 according to the IRS website. Many people count on their tax refunds for important expenses and a delay can be troublesome. Especially families with moderate income, who look forward to the refund to cover their winter heating bills among other expenses using these funds. Tax Refund Cash Advance Emergency Loans offer such people instant funds against their expected tax returns and help them manage their planned expenses in time.

How can I get cash advance emergency loans against tax refund?

You can get a cash advance emergency loan against tax refund from the tax preparation service used to file your income tax return or from online lenders. Broadly the process of getting these loans is as follows:

  • You approach your tax preparation service company or an online lender and ask for Tax Refund Cash Advance Emergency Loans.
  • The loan provider informs you about all the terms and conditions of the loan.
  • On agreeing, an authorization form is filled which authorizes the IRS to deposit your tax refund directly to the lender’s account.
  • On approval, the loan amount is disbursed post deduction of fees and/or charges, if any.

Can I Get a Loan against my Tax Refund?

The amount of money you will eligible to receive through tax advance loans will depend on a few factors. First, the size of your expected tax refund will certainly play a role in how much you get approved for. Obviously, if you are expecting a $1,000 tax refund then you are not going to get approved for a $20,000 tax refund loan. The amount of the tax refund cash advance relies heavily on the amount of income you had for that year. This gives the lender a reassurance that you will be able to pay back the money plus interest.

Secondly, the investor or tax preparation service provider will generally have a limit on the amount they will offer for a cash advance on your tax return. Remember these entities are not banks and they are not typically in the business of giving out money to individuals. That is why if you go to a professional tax preparation service provider, like Jackson Hewitt or Liberty Tax, you will get no more than $1,300 for an emergency tax refund.

Online lenders Tax refund Loans Rates and Term:

For example, you will be offered much more flexible loan options from $1,000 to $35,000. These tax refund advance loans will have an APR that ranges anywhere from 6% to 36%. The exact amount of the APR on your emergency tax refund will depend on your income level, the amount of your expected tax refund, and the amount you are requesting to borrow.

The term on the loan can be anywhere from 3 months all the way up to 6 years. If the loan is a smaller amount, then expect the term for paying it off to be smaller. But if you borrow a bigger amount, like $40,000, then you will get term up to 6 years to pay it off.

The upside is that the bigger loans tend to have smaller APRs while smaller loans tend to have bigger APRs. So, if you were to borrow a short-term emergency tax refund of $1,000 with 30% APR and you had 12 month installment loans to pay it off. Then you would end up paying $300 in interest alone on top of the base amount.

To reduce this amount of interest, you would obviously want to pay back the money as quickly as possible. Your ability to do this would depend on how fast you get your official tax refund from the IRS.

How long does it take to get tax refund cash advance emergency loan online?

Many people are opting for online cash advance emergency loan against tax refund as opposed to their offline counterparts. These biggest benefit of opting for an online tax refund loan is that the approval and overall processing time is minimal and you can get the funds in your account within a day or two (if all documents are in order).

How Fast Can I Get Tax refund Loans?

The fastest tax refund is a same day tax refund. By getting a cash advance on your tax return, you can expect to get the money on the same day. These tax refund advances are also called “instant refunds” because there is virtually no waiting period. The investor or tax prepare that you go to will review your tax return and see how much of a refund that you are entitled to receive. Once that is done, a decision will be made right on the spot as to whether you are eligible to receive a same day tax refund and the loan amount that you want to borrow.

However, before you go filling out a refund anticipation loan application. The IRS has to approve your income tax return first before anyone give you a same day tax refund. So, you cannot request an emergency tax refund unless you have filed and accepted by the federal government yet.

If refunds like these were to be issued, it would increase the risk of the lenders being defrauded. That is why these lenders like to wait until the tax return has been officially filed and accepted first. Once that happens, you can request a same day tax refund at any point after that.

Where can I get Tax Refund Cash Advance Emergency Loans?

You can either choose your tax preparation service company or apply with an online lender offering tax refund emergency loans against tax refund. Here is a quick look at some options available to you:

Liberty Tax Cash advance (Easy Advance):

An Easy Advance (EA) is offered to taxpayers filing their returns through Liberty Tax by Republic Bank & Trust Company, member FDIC. The loan amount is decided taking into consideration the anticipated tax refund and fees. These loans are usually available within 24 hours of the acceptance of your returns by IRS. In case you file your returns before the start date declared by IRS, then the loans are available within 24 hours of filing your returns nevertheless. These loans are subject to approval and underwriting. You need to visit the Liberty office to apply. Loan amounts offered are up to $1300.

Jackson Hewitt Cash Advance:

Taxpayers filing their returns with Jackson Hewitt are offered an Express Refund Advance which is a loan related to the tax refund and is provided by MetaBank. The loan is offered subject to verification of identity, fulfilling the eligibility criteria, application, refund amount, underwriting and other terms and conditions. The loan amount is eventually deducted from the tax refund amount and the difference is paid to the taxpayer. On approval, the loan amount is loaded onto the taxpayer’s card with an hour and to the bank account (via direct deposit) on the next business day. Loan amounts offered are up to $1300.

H&RBlockRefund Advance Loan:

H&R Block offers the taxpayers who prepare their taxes through them, a tax refund related loan – Refund Advance Loan – from BofI Federal Bank, Member FDIC. It is offered subject to the expected refund amount, identity verification, fulfilment of the eligibility criteria, and underwriting. On approval, the loan amount is made available on a prepaid card. It will eventually be deducted from the tax refund amount and the difference will be paid to you post deduction of fees and/or other charges. Loan amounts offered are up to $1200. has been offering loans against tax refund since 1999. These emergency personal loans are offered with the tax refund as a collateral. The taxpayer has the liberty to choose the term of the loan as per his convenience. This is an online loan with approval and disbursal process taking not more than a day or two (provided all documents are in order). Loan amounts offered are up to $35,000.


More than $1 billion has been borrowed through peer-to-peer lending in USA. So, this is a more common practice than most people realize. Investors typically take more risks with their loans than a traditional bank would. Because these investors offer same day tax refunds, there is no time to do credit checks on the applicant. Their sole decision to approve or deny an applicant is based on the tax return itself. If the applicant has a significant income amount and their tax refund advance is reasonable enough. Then the investor will trust the applicant enough to issue the loan.


Ask your parents, siblings, and distant relatives if they can give you a loan first. If they say no, then you can start searching on investor contact websites like review, zippyloan reviews. Some of these sites may charge a small fee but they are the cheapest intermediaries around on the internet.

Some tips to consider:
  • If you are looking for a cash advance emergency loan against tax refund, then ensure that your file your returns through a tax preparation service company like Liberty Tax, Jackson Hewitt or H&R Block. These companies usually offer loans without interest. But have a limitation on the amount of loan offered which typically is around 50% of your refund amount. While it sounds like a good deal. It doesn’t work well for people looking for higher amounts of tax refund loans., on the other hand offers cash advance emergency loans against tax refund of up to $35,000.
  • Tax preparation companies offer interest and/or fee free tax refund loans but their tax preparation service charges are high. According to CPA Practice Advisor, ‘the average fee charged to prepare an itemized Form 1040 with Schedule A and a state tax return is $273, and the cost for a Form 1040 without itemized deductions and a state return is $176.’ Online lenders like do not have any such criteria but charge a nominal fee for the loan offered.
  • com offers loans with your tax refund as a collateral for tenure ranging from 3 to 60 months and APR from 6 to 36 percent. This is dependent on your income and credit score. You can use the loan amount for any purpose.
  • com offers multiple lenders in one place. So, with one application you can receive offers from multiple lenders and choose the one that suits your requirements.
In a nutshell

If you are looking for a loan against income tax refund, then you must consider the service provider you choose for preparing your returns. If you are filing your own returns, then you can approach online lenders like And avail their fast, easy and instant tax refund emergency loans same day offering.

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