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RAL Loan: 5 of Your Biggest Questions Finally Answered

RAL Loan: 5 of Your Biggest Questions Now Answered

5 of Your Biggest Questions About RAL Loans AnsweredYou’re a smart consumer, and that’s why you like to get questions answered before moving forward. When it comes to an RAL loan, or any kind of loan really, it’s important to know what to expect. Not all loans, or lenders are the same. Get informed and then make the best decision. These are answers to some of the top questions we get at
  1. Do I Have to Show Proof of a Refund to Get an RAL Loan?

RAL stands for refund anticipation loan, so this is a fair question. Many people choose our RAL loans because they want to get their refund sooner. This is a great way to get the cash the IRS owes you long before they’ll actually send it.

It doesn’t mean, though, that you have to have a refund to get a loan. Our lenders won’t ask to see your tax return. Use this loan any time of year, during tax season, if you have an extension, or in anticipation of getting your refund.

  1. What About Credit Score?

To get an RAL loan, you do not need to have a specific credit score. What matters in terms of getting approved is your income. As long as you earn about $1,000 per month or more, you’re at least 18 years old, and you have a bank account, getting approved won’t be an issue.

Other lenders want to see a good credit score, but our lenders know there’s more to you than a single number. If you have a regular payday, we know you can afford a loan and will make repayment. It’s that simple.

  1. How Do I Repay the Loan?

Repayment is so simple. You don’t even have to lift a finger. When you apply for the RAL loan, you’ll provide information about your bank account. This allows your lender to transfer cash right to your account, but it’s also important for repayment.

Make sure your refund, if you have one coming, or your paycheck, goes into the account listed on your application. When payment is due, your lender will deduct what you owe. It’s a simple, easy solution, and means you’ll never have to worry about forgetting to pay on time.

Income Tax Advances RAL Loans
  1. Where Can I Get an RAL Loan?

This is the best part for most of our borrowers: this RAL loan is totally online. Here at you can apply without ever leaving home. Use a computer or mobile device. Spend just five minutes applying and getting approved, and you’re done. My questions have been answered and I'm ready to Apply for an RAL Loan.

What people love so much about this is the convenience, but also the speed. Because you don’t have to go wait in line somewhere, you don’t have to carve a few hours out of your already busy day. Apply on your schedule and never waste your time again.

  1. Are Online Loans Safe?

If you choose the right lender, it is. And we’ve already done the work for you. We have selected a group of lenders known for trustworthiness and professionalism. We also created a website that is secured by encryption. We won’t sell your information to a third party if you opt out of marketing opportunities, and we delete it once we don’t need it to process the loan.

These are the answers you need to get the ball rolling, to feel good about going ahead with an RAL loan. We want our borrowers to be informed. There are no tricks here. We’re not trying to hide anything. If you have more questions, just email us now at and we will answer them A.S.A.P. If you’re ready apply, then apply here now.

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There is plenty of information available regarding this type of loan, here are some more options: Local Income Tax Advances

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Income Tax Advances is an online lender that provides safe and secure refund anticipation loans to consumers who have their paycheck direct deposited into a checking or savings account. Since we base your refund anticipation loan off your income you are never required to supply a copy of your income tax return and you can apply even before you file your taxes and you can apply right here online. We collect information about your bank account details, as well as employment details, and we keep all data confidential. We only use it to process your online income tax loan. Your information is always safe when you apply for Income Tax Advances Online.

Through encryption and high levels of data security, we protect you and we keep your information safe. Our systems have been developed to guard against identity theft. We understand how valuable your personal details are: your social security number, bank account number, address and phone numbers, etc.

Loan Terms: Income Tax Advances works with many lenders and does it's very best to match you with the lender with the best loan terms based on the information you provide on the application. All repayment terms are provided by the lender and therefore all questions concerning loan terms should be addressed directly with the lender you are matched with. For more information simply click on "Rates and Fees" located at the bottom of every page.

Tax Filing: Income Tax Advances or its lenders do not file your taxes for you, do not receive your tax refund directly and do not request copies of your tax returns. Due to the potential of the IRS either keeping or delaying your tax refund we must place the repayment of the loan to be due on one of your pay dates for your protection. Further, since we do not file your taxes or know for certain the amount you will be refunded from the IRS, we must base your Refund Anticipation Loan amount on your income and cap the maximum loan amount at $1500.

Bank Account Required: In order to receive a loan you must have a bank account where the Refund Anticipation Loan can be deposited and repayment drawn from. In most cases the loan will be direct deposited into your bank account within 1 business day and repayment will be auto drafted from the same bank account. We want you to be aware of this so you deposit enough of your refund into your bank account to cover the loan and fees. If you wish to request to renew, extend or refinance your loan then you must contact the lender who will be there to assist you. A loan renewal, extension or refinance will most likely result in additional fees, charges or interest which you should discuss with your lender.

Income Tax Advances provides online refund anticipation loan services of one type or another in almost all 50 states. However, some states only allow for issuing of refund installment loans or refund lines of credit.

All Income Tax Advance lenders act as a credit service organization or credit access businesses (CSO/CAB) in Texas and are not the lender - loans there are made by third-party lenders in accordance with Texas Law.

This is an invitation to submit a refund anticipation loan application, not an offer to make a refund anticipation loan. No person applying is guaranteed to receive either a refund anticipation loan, tax refund loan in 1 hour, tax refund installment loan or tax refund line of credit.