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Income Tax Advances - Rates & Fees

Once you have submitted the application online you simply wait for about 90 seconds while the application is processed and approved. Once approved and your matched with a lender your browser will be redirected to the lenders loan document which will clearly show the cost of the tax refund loan and all terms for which you were approved. If you're satisfied with the tax refund loan cost and terms as provided then you simply follow the instructions for providing your electronic signature and your done. Yes it's that easy.

Please remember that IncomeTaxAdvances.com is not a lender and does not provide lending services directly to consumers. Submitting your application through IncomeTaxAdvances.com, incurs absolutely no cost to you. We are paid by the participating lenders or network of participating lenders to whom we match you for each potential customer referral. If at any time you turn down the loan or exit the process, our service will remain FREE of charge to you.

The Truth in Lending Act requires that the participating lender with whom you are matched disclose all loan fees and interest rates that you will incur before asking for you acceptance of the terms of the loan. Thus, your lender will provide to you, before you are asked to sign the loan documents, a full disclosure of all fees, rates and terms pertaining to the loan being offered by the participating lender. Please review the fee, rate and all loan terms being provided to you thoroughly and completely before agreeing to accepting the loan. You are under no obligation to accept these terms. If you decide that the loan terms the participating lender has given to you are acceptable to you, the lender will direct you as to how to e-sign for your loan agreement. If you decide they are not acceptable, you may exit the process at any time with no penalties, payment or cost of any type.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted. IncomeTaxAdvances.com has no bearing on the determination of these fee amounts and interest rates. You are under no obligation to continue with the loan process if you find a lenders terms are unsuitable.

Participating Lender's Interest rates:

The loan fees and interest rates are determined solely by the participating lender, with specific amounts determined based upon the information you submitted. IncomeTaxAdvances.com has no input on the amount of fees charged to your or the interest rate provided by the participating lender. Again, you are under no obligation to continue with the process if, at any time before signing the loan documents, you find the participating lender's terms unacceptable.

Interest rates charged by participating lenders are generally higher than a traditional loan for a similar amount issued by a bank or credit institution. However, bank loan requirements and terms are often much more stringent, and are not available as quickly as an income tax loan. With our participating lenders, you usually receive your cash within 1 business day of signing the loan documents. You will never be charged any fees by IncomeTaxAdvances.com.

Our participating lenders may offer you a loan with an APR between 200.00% and 780.06%. If you are looking for a small amount loan with a short payoff period, your lender may only offer you loans with an APR in the high end of the range displayed.

Income tax advances can be expensive forms of credit. Income tax advances should be used only for immediate financial needs and not as a long-term financial solution. If you have credit difficulties, we recommend that you seek credit counseling or meet with a nonprofit financial counseling service in your community.

This APR notice is being provided to you pursuant to our terms of Service with Google. This notice is not required by any federal, state or local law. We are not a lender but will match you with a lender in our network and only your lender can provide you with information about your specific loan terms and APR. The amount borrowed, amount to be repaid and cost of the loan will be on the loan document but you can ask your lender for more detailed information about their current rates.

Late Payment Policy:

Each Participating Lenders has their own policies pertaining to late payments. The Participating Lender's policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan. Once you have signed the Participating Lenders loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your Participating Lending as soon as you are aware the loan will be late and work with them, but remember additional fees and interest may apply.

Failure to Pay / Non-Payment Policy:

Additional fees, and charges by The Lender may apply to you in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by The Lender in an attempt to collect the loan amount, interest and costs of collections.

It's important to remember that IncomeTaxAdvances.com is not a lender and does not provide lending services directly to consumers.

Loan Renewal Policy:

Loan renewal policies are largely governed by State statute. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount and that can result in a substantial increase to the amount you will be required to payback. Again, be sure to read the Participating Lenders loan terms in carefully and thoroughly before signing the initial loan contract.

 
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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.

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