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Everything You Should Know Before Taking Out a Tax Refund Advance

If you need to borrow money fast, a personal loan might be a less expensive option than a tax refund advance loan.

Kat Tretina Kat Tretina Edited by Ashley Harrison Updated October 14, 2021

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

While a tax refund might put a substantial amount of money back in your pocket — the average refund for the 2020 filing season was $2,535, according to the IRS. However, it typically takes six to eight weeks to receive your refund.

If you need your tax refund more quickly, a tax refund advance loan could get you early access to some of your refund. But there are some downsides to keep in mind.

Here’s what to know if you’re considering a tax refund advance:

  • How a tax refund advance works
  • Where to get a tax refund advance
  • Personal loan vs. tax refund advance
  • Other tax refund advance alternatives
  • Compare offers to get the best deal

How a tax refund advance works

A tax refund advance loan lets you access some of your expected tax refund early — often within 24 hours, depending on the tax preparation company you choose. Many tax refund advance services also come with no interest or fees.

After your refund is processed by the IRS, you’ll repay the tax company the amount you borrowed in advance while keeping the remainder of your refund.

Keep in mind: You might qualify for a tax refund advance loan even if you have poor or fair credit.

And unlike other types of credit (like credit cards or personal loans), you won’t have to worry about paying higher interest charges if you have less-than-perfect credit.

However, there are some drawbacks to consider:

  • Your tax refund could be less than you expect. Your tax refund advance is based on your expected refund. However, keep in mind that the IRS could deny certain deductions that you claimed or find errors that reduce the amount of your refund. If your refund turns out to be less than you expected, you’ll have to repay the difference to the lender.
  • You typically can’t access your full refund. Most tax preparation companies only let you borrow a portion of your expected refund. For example, if your expected refund is $3,000, you might only be eligible for a $1,500 loan.
  • There’s usually a cost to file your tax return. While tax refund advances are often advertised as having 0% interest and no fees, that doesn’t mean the loan is free. Tax preparation companies typically charge you a fee to file your returns, which you’ll have to pay to qualify for a tax refund advance. Prices often start at $30 to $40 for a federal tax return (depending on the company), with additional fees if you need to file a state return or have a complex return. If you don’t pay these fees upfront and choose to have them deducted from your refund later, you might have to pay another fee to get a tax refund advance loan.
  • There might be fees to load your refund onto a debit card. Many companies will load your refund advance onto a debit card. However, these cards might come with additional fees, such as for ATM or over-the-counter withdrawals or account inactivity.

Learn More: How to Get a $5,000 Loan

Where to get a tax refund advance

Many tax preparation companies offer tax refund advance loans, including the following major businesses. Note that none of these are Credible partners.

H&R BlockJackson HewittTurboTax
Loan amountsUp to $3,500$500 to $6,000
(depending on loan type and customer relationship)
$250 to $3,000
Time to fundSame day as filing, if approved
  • Debit card: Within 24 hours of approval
  • Direct deposit: Within 1 to 5 business days after approval
Typically within 3 hours of approval
FeesNone$0 to 2.5% of loan amount
(depending on loan type)
None
Basic eligibility
  • Must file a return through H&R Block
  • Must submit a loan application to MetaBank (H&R Block’s partner lender)
  • Must expect a sufficient tax refund
  • Must provide ID
  • Must file your taxes with Jackson Hewitt
  • If applying for Early Refund Advance Loan, must provide income verification
  • Must e-file your taxes with TurboTax
  • Must be approved for a Turbo Visa Debit Card by Green Dot Bank
  • Refund must be $500 or more
  • Must be 18 or older
  • Must have a U.S. address that matches the address on your tax return
  • Must not live in IL or NC
Applications openJan. 4, 2021 to Feb. 28. 2021
  • Early Refund Advance: Dec. 14, 2020 (returning clients) or Dec. 16, 2020 (new clients) to Jan. 17, 2021
  • No Fee Refund Advance: Jan. 2, 2021 until Feb. 21, 2021
  • Go Big Refund Advance: Jan. 2, 2021 to Jan. 31, 2021
Beginning late Jan. 2021

Check Out: Where to Get a Personal Loan

Personal loan vs. tax refund advance

If you need to borrow money, a personal loan could be another option. Personal loans typically offer higher loan amounts than tax refund advances — for example, you might be able to borrow as much as $100,000 or more, depending on the lender.

Tip: The time to fund for a personal loan is generally a week or less, though some lenders might get you your money as soon as the next day after approval.

And unlike tax refund advance loans, personal loans are available at any time of the year.

If you’re considering a personal loan vs. a tax refund advance, here are several points to keep in mind:

Personal loansTax refund advances
Loan amounts$600 to $100,000
(with Credible partner lenders)
Typically $200 to $4,000
(Possibly higher, depending on the company)
FeesMight come with origination feesGenerally no origination fee or APR
(Though there might be a fee if you don’t pay your filing charge upfront)
Credit score requirementsTypically need good to excellent credit (670 and higher)
(Though some lenders provide options for poor and fair credit)
All credit scores accepted
(Including no credit history)
Loan disbursementTypically within 7 business days
(Depending on the lender)
A few hours up to five business days
(Depending on the company)

Keep in mind that most personal loan lenders don’t charge prepayment penalties. This means you likely won’t have to worry about paying extra fees if you pay your loan off early.If you take out a personal loan instead of a tax refund advance, you could use your tax refund to pay off your loan later on, too.

If you decide to get a personal loan, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from our partner lenders in the table below in two minutes.

LenderFixed ratesLoan amountsMin. credit scoreFees


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 35.99% APR $10,000 to $35,000Not disclosed by lenderYes, origination fee
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: Does not disclose
  • Loan amount: $7,500 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: If approved, funds sent within 24-72 hours†
  • Fees: Origination fee
  • Discounts: No
  • Eligibility: Available in all states except CO, CT, HI, KS, ND, NV, VT, WV, WI, and WY
  • Customer service: Phone
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
9.95% - 35.99% APR $2,000 to $35,000**550Yes, origination fee
  • Fixed APR: 9.95% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 550
  • Loan amount: $2,000 to $35,000**
  • Loan terms (years): 2, 3, 4, 5*
  • Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except HI, VT, MA, ME, NY, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: Avant
  • Loan Uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
  • Min. Income: $1,200 monthly


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 15.19% APR $10,000 to $50,000740No prepayment penalty
  • Fixed APR: 7.99% - 15.19% APR
  • Variable APR: N/A
  • Min. credit score: 740
  • Loan amount: $5,000 to $50,000
  • Loan terms (years): 3 to 6
  • Time to fund: Next business day
  • Fees: No prepayment penalty
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, home improvement, self-employment, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.99% - 35.99% APR $2,000 to $50,000600Yes, origination fee
  • Fixed APR: 8.99% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 600
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 3 business days after successful verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except DC, IA, VT, and WV
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan servicer: Best Egg and Blue Ridge Bank
  • Min. Income: None
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
6.99% - 24.99% APR $2,500 to $35,000660None, as long as you pay on time
  • Fixed APR: 6.99% - 24.99% APR
  • Min. credit score: 660
  • Loan amount: $2,500 to $40,000
  • Loan terms (years): 3, 4, 5, 6, 7
  • Time to fund: As soon as the next business day after acceptance
  • Fees: Late fee
  • Discounts: None
  • Eligibility:  Available in all 50 states
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.3% - 35.89% APR $1,000 to $40,000600Yes, origination fee
  • Fixed APR: 8.3% - 35.89% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $40,000
  • Loan terms (years): 3, 5
  • Time to fund: Usually takes about 2 days†
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: LendingClub Bank
  • Min. Income: None
  • Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 35.99% APR $2,000 to $36,500600Yes, origination fee
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: 600
  • Loan amount: $2,000 to $36,500
  • Loan terms (years): 2, 3, 4, 5, 6
  • Time to fund: As soon as the next business day
  • Fees: Origination fee
  • Discounts: Autopay
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $20,000
  • Loan Uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.99% - 23.99% APR $5,000 to $100,000700None
  • Fixed APR: 5.99% - 23.99% APR
  • Min. credit score: 700
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7*
  • Time to fund: As soon as the same business day
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except VT
  • Customer service: Phone, email
  • Soft credit check: No
  • Loan servicer: LightStream
  • Min. Income: Does not disclose
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
18.0% - 35.99% APR $1,500 to $20,000NoneYes, origination fee
  • Fixed APR: 18.0% - 35.99% APR
  • Min. credit score: None
  • Loan amount: $1,500 to $20,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 2 business days after approval
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Must have photo I.D. issued by U.S. federal, state or local government
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
10.5% - 29.99% APR $5,000 to $40,000640Yes, origination fee
  • Fixed APR: 10.5% - 29.99% APR
  • Min. credit score: 640
  • Loan amount: $3,000 to $40,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 2 to 5 business days after verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except MA and NV
  • Customer service: Phone, email, chat
  • Soft credit check: Yes
  • Min. Income: $25,000
  • Loan Uses: Debt consolidation and credit card consolidation


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.74% - 17.99% APR $600 to $50,000
(depending on loan term)
700None
  • Fixed APR: 7.74% - 17.99% APR
  • Min. credit score: 700
  • Loan amount: $600 to $50,000*
  • Loan terms (years): 1, 2, 3, 4, 5
  • Time to fund: 2 to 4 business days after verification
  • Fees: None
  • Discounts: None
  • Eligibility: Does not disclose
  • Customer service: Phone, email
  • Soft credit check: No
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
6.99% - 35.99% APR $2,000 to $50,000640Yes, origination fee
  • Fixed APR: 6.99% - 35.99% APR
  • Min. credit score: 640
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as one business day
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except IA, ND, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.99% - 23.43% APR10 $5,000 to $100,000Does not discloseNone
  • Fixed APR: 8.99% - 23.43% APR10
  • Min. credit score: Does not disclose
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7
  • Time to fund: 3 business days
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except MS
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Solely for personal, family, or household uses


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
11.69% - 35.93% APR7 $1,000 to $20,000560Yes, origination fee
  • Fixed APR: 11.69% - 35.93% APR7
  • Min. credit score: 560
  • Loan amount: $1,000 to $50,000
  • Loan terms: 3, 5, or 7 years 8
  • Time to fund: Within one day, once approved9
  • Loan types: Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: A U.S. citizen or permanent resident; not available in DC, IA
  • Customer service: Phone, email
  • Soft credit check: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.49% - 35.97% APR $1,000 to $50,000600Yes, origination fee
  • Fixed APR: 8.49% - 35.97% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $50,000*
  • Loan terms (years): 2 to 7
  • Time to fund: Within a day of clearing necessary verifications
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except Washington, DC
  • Customer service: Email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.4% - 35.99% APR4 $1,000 to $50,0005580Yes, origination fee
  • Fixed APR: 5.4% - 35.99% APR4
  • Min. credit score: 580
  • Loan amount: $1,000 to $50,0005
  • Loan terms (years): 3, 5, or 7 years4
  • Time to fund: As soon as 1 - 3 business days6
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $12,000
  • Loan Uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
Compare rates from these lenders without affecting your credit score. 100% free!

Compare Now
All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms

Keep Reading: Is Using a Personal Loan for Taxes a Good Idea?

Other tax refund advance alternatives

If a personal loan or tax refund advance doesn’t seem right for your needs, you might be considering other fast loan options, such as payday loans, pawn shop loans, or car title loans.

However, while these same-day loans might get you quick cash, they should only be used as a last resort. These types of loans typically come with sky-high fees and interest rates — often in the triple digits.

Plus, you’ll generally have to repay the loan in a matter of weeks, which might not give you enough time to pay it off without getting further into debt.

Tip: Even if you have poor credit, you might still qualify for a personal loan. Some lenders even specialize in bad credit personal loans that you might be eligible for. Just keep in mind that these loans generally come with higher interest rates.

Another option is applying with a cosigner. Not all lenders allow cosigners on personal loans, but some do. Having a creditworthy cosigner could help improve your chances of getting approved for a loan.

Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own.

No matter which loan option you choose, it’s a good idea to consider how much the loan will cost you over time. You can estimate how much you’ll pay for a loan using our personal loan calculator below.

Enter your loan information to calculate how much you could pay

? Enter the total amount borrowed $
? Enter your annual interest rate %
or
? Enter the amount of time you have to repay your loan years
Total Payment $
Total Interest $
Monthly Payment $

With a $ loan, you will pay $ monthly and a total of $ in interest over the life of your loan. You will pay a total of $ over the life of the loan.


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Compare offers to get the best deal

In general, it’s a good idea to consider as many loan options — such as tax refund advances and personal loan offers — as you can. This way, you can find a loan that best suits your needs.

If you decide to take out a personal loan, remember to compare as many lenders as possible. Consider not only rates but also repayment terms and any fees charged by the lender.

Credible makes comparing lenders easy — you can see your prequalified rates from multiple lenders in two minutes without affecting your credit score.

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About the author
Kat Tretina
Kat Tretina

Kat Tretina is a freelance writer who covers everything from student loans to personal loans to mortgages. Her work has appeared in publications like the Huffington Post, Money Magazine, MarketWatch, Business Insider, and more.

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