Easy Tax Refund Anticipation Loans for 2018
At the height of tax season, you probably have a lot of questions about everything from how to file easily to whether or not you can get an extension. You may also be wondering about tax refund anticipation loans. What you need to know about loans from Income Tax Advances is that they are easy, quick, available online, and that you can get approved even with bad credit.
Our lenders can’t make tax season any easier for you, but they can make the process of getting a loan effortless. It doesn’t even have to be tax season to get a loan this way, but since we’re in the middle of it, why not apply for some extra cash? You can spend the money however you need to, and if you have a refund on the way eventually, you don’t need to be worried about repaying your loan. Let us break down the process for you and show you just how straightforward it is to get extra money this tax season.
Your Tax Loan Starts with an Online, Paperless Application
The process of getting an easy tax refund anticipation loan begins with an application, as with any loan. But, what makes this one different is that it is paperless. Instead of filling out a stack of paperwork or being given form after form in an endless application process, you can complete just one short form to be considered for extra tax-time cash.
The way the Income Tax Advances service works is that the entire loan process is completed online. The exception is that in some cases a lender may need to talk to the applicant on the phone to confirm some details, but you will never have to go anywhere to get these online tax loans. All you will need is access to the internet in order to apply.
To apply you can use your computer and our website, or you can go mobile. In an increasingly mobile world we believe it is important to offer our customers a mobile solution to income tax loans. You can go online if you happen to be near a computer or laptop, or you can use your smartphone or tablet and access the application through a mobile app. This allows you to get a loan on the go, and to be able to act quickly, as soon as you decide it’s the right time to take this important step to borrow some money.
The Income Tax Advances Service Connects You to a Lender—At No Cost to You
The next step in this simplified loan process is to get connected to a great lender. Income Tax Advances has collected a secure network of lenders that are the best you’ll see anywhere. They specialize in online loans and yet they are some of the most professional and reputable lenders in the business. They work by the same professional standards of more traditional lenders, like those that offer loans through your bank. They use the same security measures too, to ensure your information stays safe.
When you apply through our service online or through the app, we connect you to just the right lender. That lender will work on your behalf to try and get your application approved. The best part about all of this is that you don’t have to pay a fee for the service. It is completely free to connect to our lenders. All you need to provide is the information on the application page. These are all the details a lender has to see to get you approved.
Get Approved for Your Tax Loan, Even with Bad Credit
Once you have been connected to a lender, you are on the fast track to getting approved for one of these Income Tax Advances loans. The process of getting approval is simple and easy. You don’t have to have great credit and you don’t have to have collateral either. The approval requirements are easy to meet for most people, even those who don’t earn a lot of money or who struggle to make ends meet sometimes. Here’s all you need to get approved:
• Legal U.S. residency
• A minimum age of 18
• A valid checking account
• An income that makes sense for the amount you’re borrowing
These are the absolute requirements you must meet to gain approval for one of these tax refund loans, but there may be some other factors that come into play. Most of our lenders do not do hard credit checks to approve applications. Instead, they use a proprietary calculation to determine if you are ready for a loan in a specific amount.
Most of the time this means that you don’t have to go through a standard credit check for approval. There may be some instances when a lender does need to do a credit check. We want you to understand, though, that traditional credit score is not a big factor with our lenders, if is even used at all. A poor credit score from one of the three big reporting agencies is not a factor that will disqualify you from getting a tax loan, so you can relax and take the leap—you’ll probably get approved.
Access Your Tax Loan Cash Faster than Ever
Once you get approval for your loan and sign the document sent to you by your lender, it’s time for the fun part: getting the cash and spending it. The way this part of the process works is that your lender makes an ACH transfer of the money to your bank account. Lenders do this immediately as long as it is within normal business hours. Even during off hours it doesn’t take long for the transfer to occur.
With the transfer made it will the next business morning before your bank allows you to access the cash. On our end the lenders move the money fast, and then it is just up to your bank to make sure you can withdraw and use it. When compared to more traditional bank or credit union loans, this is fast. Most other lenders will have you waiting days, or not a week or more, to get the money that you’re borrowing.
Use Your Tax Loan Cash, Any Way You Want
Once you have access to your cash, it’s yours to spend however you want. You may have had a specific reason for borrowing, or it may just be that you wanted to get your refund money sooner. Either way, we have some great ideas for how to spend that money based on what other borrowers do:
• Pay your bills this week, on time for once.
• Avoid late fees on bills.
• Pay your rent to avoid eviction.
• Use the money as a stop-gap when you run out of cash before payday.
• Get gas in your car so you can still get to work and get paid.
• Pay costs related to emergencies.
• Chip away at expensive debt.
• Invest in your home with some improvements.
• Pay travel expenses to be with family during a difficult time.
• Help out a friend with money problems.
• Avoid the need to work overtime hours this week and spend time with family instead.
• Splurge and treat yourself for working so hard.
Changed Your Mind? This is a Commitment-Free Process
So you’re still not sure you want to take out an income tax refund loan? That’s ok. You don’t have to be certain because the process we put you through does not commit you to actually accepting an offered loan. You apply, you get connected to a lender, that lender approves you and offers you a loan with certain terms. You can look at the offer, read the terms, and decide not to accept them or the cash.
Turning back at that point will not penalize you in any way. You have every right to change your mind up until you e-sign the loan document. Your signature commits you to the loan, but up to that point you can say no at any time with no fees incurred. The service is totally free and always gives you the option to walk away. With these things in mind, there’s really no reason not to go ahead and complete the application. You have nothing to lose.
How will you use your tax refund this year? If you have a plan for that extra cash, you probably can’t wait to put it into action. But it’s so disappointing that you won’t actually get the money for weeks. There is a solution: a tax refund anticipation loan. When you’re expecting that cash but don’t know when it will show up, our easy tax loans can provide you with the money sooner.
The process of getting an Income Tax Advances loan is streamlined and uncomplicated. You apply online or with an app, get connected to a lender, get approved, and get the cash transferred to your bank. And the service is free to you; there are no fees even if you change your mind and decide not to take the offered tax loan. This tax season, get ahead of the government, be proactive, and get your refund cash now.