Refund Anticipation Loans are available now

Get your refund way early with
a Refund Anticipation Loan

Refund anticipation loans, also known as RALs, allow you to get the money you expect from your tax refund before it arrives. Even if you filed for an extension and don’t expect your refund until after October, you can still get a refund anticipation loan for emergency expenses before you money comes in. Of course, it is always best to wait for the refund to come in before spending it, because this service adds fees and interest that reduces the net amount of your refund, but sometimes situation like car repairs, medical needs, or travel emergencies may cause you to need the cash in anticipation of your refund.

Refund Anticipation Loans are available in several different forms

Usually refund anticipation loans are quick cash loans that where money is paid out in about a day and will be repaid all at one time within a few weeks, depending on your pay day and the terms of the loan. However, some websites, such as IncomeTaxAdvances.com and some others, offer more flexible types of Refund Anticipation Loans.

Refund Anticipation One Hour Loans

These loans are truly fast track loans. After you fill out an online application, you will generally get an answer in just a few minutes. If you are approved and accept the terms of the loan, you will get the money deposited into your bank account in about an hour.

Refund Anticipation Installment Loans

If you are not sure how long your refund will take and need longer terms than two weeks or so, you may be able to apply for a refund anticipation installment loan that will allow you to repay in several payments over a slightly longer term.

Refund Anticipation Lines of Credit

A refund anticipation loan acts more like a credit card in the sense that, as you repay the loan, you can borrow money again without reapplying for the loan. This may work better for you if you expect reoccurring needs. However, the terms for these types of loans are different and you will likely pay extra for the convenience, so make sure that you understand all the terms of the loan before agreeing to a line of credit.

Traditional Refund Anticipation Loans

Even if you are not able to obtain one of these more flexible types of loans, you still have a good chance of getting a traditional refund anticipation loan based on your income level. Usually these loans are limited to $1000 or less and will need to be repaid in a lump sum when your refund comes in or your next paycheck arrives. Terms for these loans vary greatly so read the loan offers carefully. But if your need for cash comes in advance of your expected refund, this may be option for you.

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Refund Anticipation Loans are available now, By Heather Wilson - Today