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 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 $17.0060%
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 ($6,000 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 ($300 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 88,455 customer reviews.

Price: The Fast Cash Advance is an optional tax-refund related loan provide by our banking affiliate (it is not the actual tax refund). The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan.

Loans offered in the amount of 25%, 50%, or 75% of your expected tax refund from $500 - $6,000. Loan in the amount of 25% of your expected refund has an Annual Percentage Rate (APR) of 0.00%. Loan in the amounts of 50% or 75% of your expected tax refund have an APR of 36%. For example, $2,000 representing 50% of expected refund borrowed over 24-day terms, total amount payable in a single payment is $2,047.34 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards. Tax preparation fees apply and are non-refundable regardless of bank's loan decision. Please be responsible and consider all options including the IRS free e-filing option before applying for any tax related bank products.

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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