Refund Anticipation Holiday Tax Loans as Easy as 1-2-3

Step 1

Complete easy tax interview and select YOUR tax refund preferences (including options for holiday tax loans and refund anticipation loans.)

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

Taxpayers approve tax refund amount and provide direct deposit account (checking, savings, or prepaid card) for traditional refund anticipation and holiday tax loans.

Refund Anticipation Loans "RALs" are holiday tax loans and not YOUR actual refund. Loan amount of $1,200 will be deducted via your actual tax refunds from Federal or State Taxing Authorities. Tax Preparation Fee applies.
Step 3

Receive tax refund anticipation loans and holiday tax loans direct deposited to YOUR selected account per agreement (checking, savings, or prepaid card).

Approval subject to actual refund amount, identity verification, eligibility criteria, application, underwriting standards, and other terms and conditions. Tax preparation fees apply regardless of RAL decision.

TaxNet Financial Inc. reserves the right to reject a tax refund anticipation 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 tax refund anticipation loan advance.

First year client, and I will be back next year. Excellent Service! After receiving approval of a Refund Anticipation Loan, I was told that it will take up to 12 hours for funds to be deposited into my account. Everything happened accordingly, and now everything is complete. The tax associates are competent and helpful individuals.

Christi Maguire

My tax specialist was extremely knowledgeable, friendly, and responsive. I like the quick communication they called me and sent me text alerts so I know exactly what is going on with my refund anticipation loan and tax refund. I recommend to anyone looking for a good tax company.

Nancy Davis

Shop and Compare Quality Services at a Reasonable Price

H&R Block

Federal RAC Fee $34.9587%
State RAC Fee $13.0065%
Timing of Deposit (within 21 days)42%

Jackson Hewitt

Federal AR Fee $39.9599%
State AR Fee $10.0050%
Timing of Deposit (within 21 days)42%

TaxNet Financial

Federal ERD Fee $12.0060%
State ERD Fee (FREE)1%
Timing of Deposit (within 21 days)42%

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”, "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 21 days.

Refund Anticipation Loan ($1,200 known as an Income Tax Advance, Instant Tax Loan, Rapid Refund, Tax Refund Line of Credit, or Tax Refund Loan) is not your actual refund.

Holiday Instant Advance ($250 known as Holiday Tax Loan) begins on December 22nd and is a loan not your actual refund.

W-2 Electronic Access - FREE

Get your anticipated refund amount using W-2 Electronic Access (same day).

It also eliminates the chance that your W-2 will get lost, misdirected, or delayed during delivery. Why wait access your tax documents now. Online delivery of your original W-2 is only available for select employers. To see if your employer offers the service, you must provide us with a prior year W-2 or FEIN (Federal Employer Identification Number). During the tax interview process select the W-2 Electronic Access Option and we will get your W-2 instantly.

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

Tax Refund Anticipation Loan Advance and Holiday Tax Loan Disclosures

Rated: 4/5 stars based on 84,018 customer reviews.

Price: A tax refund anticipation loan has a $0 finance fee because your loan is secured by your actual refund. A tax preparation fee of $450 is deducted from the $1,200 tax refund anticipation loan advance upon approval for a $750 gross disbursement. Refund Anticipation Loan $1,200 is disbursed to YOUR account within 12 hours of IRS acceptance. Instant Refund Anticipation Loan $250 Holiday Advance as early as December 22nd. Approval of Instant Refund Anticipation Loan doesn't guarantee approval of $1,200 traditional RAL.

Loan Disclosure: WHEN YOU TAKE OUT A TAX REFUND ANTICIPATION LOAN ADVANCE, 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 REFUND ANTICIPATION LOAN ADVANCE. YOU CAN GET YOUR REFUND IN 8 TO 21 DAYS WITHOUT PAYING ANY EXTRA FEES AND TAKING OUT A TAX REFUND ANTICIPATION LOAN ADVANCE. YOU CAN HAVE YOUR TAX RETURN FILED ELECTRONICALLY AND YOUR REFUND DEPOSITED INTO YOUR OWN.

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