Up to $6,000
Based on your expected refund amount
No Credit Check
Approval based on your tax refund
Same-Day Funding
Get your money within hours
Auto Repayment
Repaid from your IRS refund
Advance Amounts Available
$500
Minimum refund: $1,000
Quick cash for immediate needs
$1,500
Minimum refund: $3,000
Cover bills and expenses
$3,000
Minimum refund: $5,000
Best value for most filers
$6,000
Minimum refund: $10,000
Maximum advance available
Advance amounts are subject to approval and may vary based on your expected refund.
How Refund Advance Works
File Your Tax Return
Complete your tax return with our professional preparers. We will calculate your expected refund amount.
Apply for Advance
Choose your advance amount based on your expected refund. No credit check required - approval is based on your tax return.
Get Your Money
Once approved, receive your advance same-day via direct deposit or prepaid card. Funds available within hours.
Automatic Repayment
When the IRS releases your refund, the advance is automatically repaid. The remaining balance is deposited to you.
Example Scenario
*0% APR advances available for qualifying returns. Some advances may have fees. See terms and conditions for details.
Eligibility Requirements
•What You Need
- •Valid government-issued ID
- •Social Security card or ITIN
- •W-2s, 1099s, or other income documents
- •Expected refund of at least $1,000
May Not Qualify If
- IRS owes you back taxes or child support
- Previous refund advance was not repaid
- Return requires additional IRS review
- Refund amount is uncertain
Important Information
This is a Loan
A refund advance is a loan based on your anticipated tax refund. It is not your actual refund. The loan must be repaid from your refund when it is received from the IRS.
Timing
Refund advances are typically available from January through mid-February. Availability may vary by location and is subject to change.
Fees and APR
Some refund advances have 0% APR and no fees. Others may have fees depending on the advance amount and your tax situation. All fees will be disclosed before you accept.
Disclaimer: Refund advances are provided by EPS Financial, Member FDIC. Approval and advance amounts are subject to underwriting criteria. Not all applicants will qualify. See your tax professional for complete terms and conditions.
Frequently Asked Questions
Will this affect my credit score?
No. Refund advances do not require a credit check and are not reported to credit bureaus. Your credit score will not be affected.
What if my refund is less than expected?
If your actual refund is less than the advance amount, you may be responsible for repaying the difference. This is why we carefully estimate your refund before approval.
How fast can I get my money?
Most approved advances are funded the same day. Funds can be deposited to your bank account or loaded onto a prepaid card within hours of approval.
Can I get an advance if I owe back taxes?
If you owe back taxes, the IRS may offset your refund to pay the debt. This could affect your eligibility for an advance or the amount you can receive.
Need Cash Now?
Get up to $6,000 today with a refund advance. No credit check required.