Decision guideTaxes 2 min

Should I take a tax refund advance?

Refund advances are loans against the refund the IRS already owes you. Whether it's a good deal depends on how fast you need the money and what you're paying for the tax prep attached to it.

30-second explainer

30s

The short version — then walk through the questions below for your situation.

Question 1 of about 3

How soon do you truly need the money?

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Educational only — not legal, tax, or financial advice. Typical ranges are shown; your contract, lender, and state law set the exact rules. MoneyFAQ is not a lender.