The better question is WHY would you want one? The relative interest rate for these items are like several hundred percent when computed on an Annual Percentage Rate figure. The regular, every day of the year Direct Deposited federal refund only takes about a week.
Is your financial situation SO DESPERATE that you can't wait a week? Plus these "loans" have to be paid back IF the IRS decides that you didn't qualify for a refund after all.
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Several companies offer tax refund anticipation loans and many are available online. Instant Tax Service, ETax Loan, and H&R Block are just a few of the companies that offer these services.
If your return is accepted by the IRS on January 23rd they will release your funds on February 5th. The only way to receive money earlier than that is through a refund anticipation loan. H&R Block has strong financial backing and is offering Instant Refund Anticipation Loans (you will receive money before you leave the office if you qualify) and Refund Anticipation Loans which will allow you to receive your money in two days or less.
Many of the tax preparation companies offer tax return loans or Refund Anticipation Loans. These include H & R Block and Liberty Tax. You will need to check with your local offices to see if they are offering them in their location.
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H & R block offers information about refund anticipation loans. Theyre are certain requirments needed to be met to be qualified for this loan. This website allows you to review the rules and get an idea if you would be qualified.
A refund anticipation loan the borrowing of some of your possible expected refund amount before the IRS accepts your income tax refund as you filed it. For a short period of time and it is very costly to you to get the funds in this way.
It all depends on how you file. If you file the standard "mail-in" way, expect a refund in 4-6 weeks. If you do them online or with a tax professional, the wait time is usually two weeks. Some tax professionals can file what is known as a "Refund Anticipation Loan", or RAL for short. For a fee, you can get your tax refund the next day, sometimes within hours. Be noted, however, that these are actual bank loans on your tax refund and not an actual refund itself.
Answer Talk to them. But be advised...refund anticipation loans are considered one of the worst...as in most expensive...and frequently abused things you can do. Emeraldadvances.com
You should seriously check the interest rate they are charging you. Tax refund anticipation loans are a notorious rip off.
There are numerous companies that you can find online that are offering no credit check loans. For example: Creditloansources.com or 6monthloansnofee.com
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