Refund anticipation loans are a year-round financial service for American taxpayers

The number of refund anticipation loan applications hit an all time high during the January, February, March, and April months. Many people are unaware that refund anticipation loans are offered all year long and provide the same great incentives no matter what month it is.

Refund anticipation loans are a popular service during tax time. Many taxpayers get anxious and impatient with the IRS and decide to apply for a refund anticipation loan so they can get the cash they need to cover daily expenses, purchase an expensive item, or use the money to pay off debt. Greg Collins, a refund anticipation loan lender, explained why refund anticipation loans are so popular:

“Refund anticipation loans eliminate stress,” Collins said. “Taxpayers are hard-pressed for money. They have things to buy, people to pay, and places to go. Millions of Americans depend on their tax check. For the most part they know exactly when it’ll come. They’ll plan purchases and vacations around the time they expect to receive it. When their refund check doesn’t come when they thought, they get stressed, angry, and impatient and it’s 100% understandable. Refund anticipation loans solve this problem. People will happily pay a few dollars in interest so they can get their money as fast as possible.”

Unfortunately after the April deadline passes, most Americans assume refund anticipation loans are no longer offered. In fact, refund anticipation loans are available 24/7, 365 days a year.

“Refund anticipation loans aren’t going anywhere,” Collins said. “It’s a service that’s offered year-round. If you’re expecting money but you need that cash now, we can help. Refund anticipation loans aren’t just for tax returns—they’re loans for any type of anticipated cash.”

Applying for a refund anticipation loan is easy. As long as a borrower is 18 years of age or older, has a job, has a bank account, and is expecting cash back from the government, a job, or another reliable source, he or she can instantly qualify for a refund anticipation loan up to $2500. No credit check required. The amount a borrower can receive depends on the amount of their return. Right now direct lenders are offered qualified customers between $200-$2500.

Any American interested in receiving a low-cost refund anticipation loan should follow the next 5 steps:

1). Apply online

Refund anticipation loan applications are available exclusively online. As long as a borrower has access to a computer or smart phone, he or she can apply. Borrowers can apply anytime of the day, anytime of the year.

2). Fill out the entire application

Even if a potential borrower isn’t set on applying for a refund anticipation loan, he or she should still fill out the application. Potential borrowers can see exactly how much money they can get when they finish. It’s important to fill out the entire application—missing information may result in an automatic denial or a lowered loan amount.

3). Get approved

Borrowers will discover if they were approved, the interest rate, the re-payment terms of the loan and how much money they can get once they’ve clicked “submit” at the end of their application.

4). Get a call from a direct lender

Multiple direct lenders will review the loan request and once approved by a lender the borrower will be given a direct number to call or the lender will call them directly to discuss what the borrower needs and how the lender can help. This process is unique for each borrower. During this conversation lenders discuss interest rates, fees, and repayment penalties. If a borrower isn’t happy with the arrangement, the borrower can walk away without paying a cent. If the borrower agrees to the terms of the refund anticipation loan, the borrower will receive their loan in 1 business day.

5). Spend the refund anticipation loan cash

Borrowers can spend their refund anticipation loan cash however they want. Borrowers are required to repay the amount they borrowed before or on the day the loan is due back to the lender. In many cases, the direct lender will automatically deduct the cash back from the borrower via automatic withdrawal. For this reason it’s critical that a borrower has the necessary funds in their bank account at that time.

Refund anticipation loans direct lender Greg Collins believes that all people interested in a refund anticipation loan should do a little research before applying:

“Yes refund anticipation loans are still available,” Collins said. “Yes, they’re safe. Unfortunately not all refund anticipation loan companies work under the same rules and regulations that we do. I always tell people to read reviews and research the company or the person before they sign anything. Refund anticipation loans are a great service in a great industry. We want to keep it that way. Don’t borrow money from any person you don’t trust.”

Here are some links to multiple financial companies that provide safe refund anticipation loans at a great cost:

Income Tax Advances
eTax Loan
iTax Advance
Green Leaf Loan Group

“I’ve had a lot of trouble with the IRS,” Amanda Harris, a refund anticipation loans customer told us. “I’ve had to fill out paperwork and file an appeal, I’ve had to send letters, and I’ve been on the phone with them for hours and hours. Finally in July I got news that I’d finally get the return that was owed to me. Unfortunately, due to processing times, I was told I wouldn’t get the cash for another few weeks or so. I didn’t think I’d still find a refund anticipation loan, but I did. I applied, was approved, and got the cash I needed.”

Thousands of Americans are in a similar situation as Amanda with the IRS. Some people wait years to receive their returns. If you or someone you know doesn’t want to wait another month for your refund, tax related or not, a refund anticipation loan might be right for you.

“My IRS experience was a nightmare,” Morris said. “I wouldn’t wish what I went through on anyone. I can’t be the only person out there who has had to wait months and months for a return. I’d definitely suggest a refund anticipation loan to anyone who just can’t wait any longer to get the cash they need.”

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