Why Apply for an Income Tax Loan?

This time of year, everyone seems to need more cash than they have on hand. Between summer vacations and activities, and the start of school with its need for new clothes, club dues, sports gear and uniforms, and the never-ending fundraising requests from our friends and family, it’s almost unimaginable that we’re about to go into the holiday season and somehow tackle all of those expenses! If you’re like many of us, you think, “If only it were time for my tax refund, instead of having to wait until the holidays are over to file it!” Good news – that’s what an income tax loan is for! You know that refund is on its way, so why not take out an advance against it now, when you need the cash the most?

How is an Income Tax Loan Different Than Traditional Personal Loans?

Both of them get you cash now, right? And both need to be repaid with interest. But that’s about where the similarities end. For one thing, your income tax refund is your money – not the bank’s. So even though an income tax loan is repaid from your next paycheck or two, you can still look forward to your refund! It’s still your money, owed to you for income taxes that were withheld in excess, and unlike the commercial tax preparation companies that will “advance” you the funds quickly when you file your return with them, the lender doesn’t require that you sign over the refund to be deposited into their bank instead of yours.

Do I Need Good Credit To Be Approved for an Income Tax Loan?

The lenders who work with this refund advance program understand that life is complicated and sometimes very hard, and that many of us have gone through difficult financial times in our lives. Certain factions in the financial services industry have made it very difficult to obtain personal credit for up to ten years after situations like those have been resolved, resulting in significant portions of people’s lives being made more challenging at a time when they most needed support. Most of the lenders providing income tax loan services do not perform a traditional credit check when evaluating consumers’ applications for funding. Instead, they use a non-standard set of criteria based on your current circumstances, rather than years of history that might be completely irrelevant to your income, employment, or living situation of today.

This Income Tax Loan Sounds Great – Where Do I Start?

It’s very easy! All you need is an internet connection, your device of choice, and a few minutes of your time. You can even apply for an income tax loan using your smartphone if that’s what’s most convenient for you. Just click the link to the website and follow the instructions. You’ll be guided to a brief application form, and that’s all you need to do. There are no financial statements or tax returns to fax or upload, and no long wait either. Our lenders provide a decision in less than two minutes, and everything you need will be right there in your browser – the terms and conditions, repayment arrangements, and agreement form that you can sign using an electronic signature so you never even have to leave your home or office to move the process forward. Funds will usually be available in your bank account by the next business day, so what are you waiting for?

Why Apply for an Income Tax Loan? By Scott Lobo - 10/25/16

When You Have a Distant Payday, Online Loans Can Help

Payday can never come soon enough. Unfortunately, it usually doesn’t. It always seems as if that paycheck is so far away, like you can smell it coming, but you can’t get your hands on it yet. With bills to pay and late fees threatening you, you could use some extra cash. For that next far away payday, online loans can be the answer. They can get you quick cash that will tide you over until that paycheck finally arrives.

For a Delayed Payday, Online Loans Give You a Cash Flow Solution

A cash flow solution is just what you need. It’s not that you are careless with money. You can be as careful as you want, but when unexpected expenses come up like that rent increase or a rise in gas prices or your kid’s field trip that he forgot to tell you about, they can drain the bank account pretty quickly. Living paycheck to paycheck isn’t for the faint of heart. You are bound to have these times when, because of a far-off payday, online loans just makes sense. The cash you can get from these loans provides the much-needed relief you need to make it to payday without any catastrophes.

When it Comes to That Far Away Payday, Online Loans Are Easy

The next time it feels like payday will never come, that you will be doomed to choosing between paying a bill on time and shopping for groceries for the week, an online loan is the easy answer. The cash you get from an online loan is the easiest cash you’ll ever get. It starts with a mobile app; just turn on your phone and use the app. In minutes you will have applied for a payday loan. Don’t have a smartphone? Hop online and visit the application on our website. Either way, you can apply and get approved in just about five minutes.

Once you have applied for one of these loans, and gotten approved, you don’t have to do anything else. A lender that we hand select for you will get the cash transferred to your bank account as soon as possible so you can carry on with your life. Pay your bills and get the groceries this week. There is no need to choose. The next time you have a distant payday, online loans will be here waiting for you to take advantage of them.

When You Have a Distant Payday, Online Loans Can Help By Eric Knapp - 10/18/16

What Exactly is a Refund Anticipation Loan?

You can borrow against the income tax refund you’re expecting, even if you haven’t completed your return yet! All you need to do is meet a few basic credit qualifications – such as being at least 18 years old, employed, and having a bank account that can process electronic deposits and debits – and you have an excellent chance of being able to access those funds now, when you need them most, instead of having to wait until tax season after your return has been completed and processed.

How Is A Refund Anticipation Loan Different from a Personal Loan from the Bank?

When you apply for a loan from your bank, the process is different in several ways. One, the application itself is much more extensive, often including lists of monthly expenses, of monthly debt and payments, and credit references. The application for a refund anticipation loan includes none of these; a very brief online application form will be completed that asks only for your basic personal identification information, info regarding your employment and income, and your bank account info in order to direct the deposit of approved funding. Furthermore, as you are essentially borrowing your own funds, you can look forward to the arrival of your scheduled income tax refund at its usual time – unlike tax advance programs through income tax preparation companies, which require the borrower to sign over their refund to the company as repayment.

Do I Need Good Credit To Get Approved for a Refund Anticipation Loan?

Your credit score, good or bad, will probably not be a factor in your approval either way. The lenders working in this program realize that a lot of Americans are living with damaged credit due to no fault of their own – and even for those who made mistakes, why should an error in judgment be allowed to follow a person for years and years, making it that much more complicated for them to recover, build a healthy financial life for themselves, and put that time and that mistake behind them. These lenders created their own set of criteria, and consider factors such as your income and employment history rather than running a traditional credit check.

How Long Does it Take To Get a Refund Anticipation Loan?

You can apply today for a refund anticipation loan and have funds in your own bank account tomorrow or the next business day. The lenders work quickly, approving your application in just 90 seconds; you’ll then be provided with everything you need to review the terms and conditions and decide if you want to sign on the virtual dotted line. Once you provide an electronic signature, the lender will deposit your funds the same day and you can access the cash as quickly as your bank’s clearing process will allow.

How Do I Apply For a Refund Anticipation Loan?

It’s easy as 1-2-3! Follow the following link to the Refund Anticipation Loan website – the Apply Here link will take you to the quick and simple form to provide your personal information. Follow the simple directions and within minutes you’ll be on your way!

What Exactly is a Refund Anticipation Loan? By Eric Knapp - 10/11/16

How an Online Line of Credit Can Help You Avoid a Cash Crunch

It can be hard to predict when we’ll need extra money, or how much, which makes an online line of credit particularly useful. Instead of applying for the specific amount of cash you need right then and there, lines of credit are approved for a maximum amount, from which you can then withdraw and repay what you need as you need it. The flexibility allows you to borrow $100 one week when you’re just a little short, and $500 a week or two later when the fridge suddenly goes on the fritz. You’re in control. Just as importantly, amounts that are borrowed and then repaid are returned to the “pool” of available cash so you can borrow them again if you need to! With a traditional loan you borrow money, pay it back, and you’re done – but a line of credit lets you continue to use the same approval through multiple transactions over a longer period of time.

Apply for an Online Line of Credit in Just Minutes!

Would you rather spend your time filling out paperwork, answering questions and searching for paperwork to support your loan application, or paying your bills on time and spending time with your family? Silly question, huh? The application for an online line of credit is so fast and simple that you can complete it in no more time than it takes to cook pasta or walk the dog. What’s more, because the application is online you can apply from anywhere, using any internet-enabled device of your choosing. More and more of us are using our phones as one of our primary methods of accessing the internet, and the developers behind short-term loans line the online line of credit have figured that out and worked with you. They’ve made the application and website as mobile-friendly as possible, so if your choice is to apply from a park bench using your smartphone, you’ll be approved and funded just as fast!

How Soon Can I Get Cash From an Online Line of Credit?

One of the greatest advantages of short-term internet loan products is that they work quickly to put cash in your bank account. It takes only a few minutes to fill out the application – click submit and the form goes to the whole network of dedicated lenders who evaluate your situation to see if they have the best option that fits your needs. Within two minutes you’ll receive your response – usually an approval – and be provided with the full terms and conditions documents. Read through them carefully to make sure the offer is what you are looking for and that everything’s clear and understandable, and if all looks good it’s easy to sign off and accept the online line of credit offer using the provided electronic signature. Now to the good part – how fast can you get your money? As soon as the lender receives your acceptance, they’re able to process the deposit to your bank account; this will be done the same business day, usually within a few hours. Depending on the clearing process your bank follows, you’ll have access to your cash within one business day – often the very next morning! Think you might have use for extra cash any time soon? Apply today and have funds ready and waiting!

How an Online Line of Credit Can Help You Avoid a Cash CrunchBy Heather Wilson - 10/4/16