With e-filing, you will normally receive your income tax refund within just two to four weeks at no additional charge. But with our expedited tax loan service, you can get your money even faster!

A third-party tax Refund Anticipation Loan (RAL) tax loan service is offered through our partnership with HSBC Bank USA, N.A. (HSBC). This tax loan can be conveniently deposited into your personal bank account in as little as 48 to 72 hours after your return is accepted by the IRS!

Here are some details about Tax Refund Loans:

• This service is available for your federal income tax refund only.
• To take advantage of this service, you must select "Refund Anticipation Loan (RAL)" in answer to the question "If your return results in a refund, how do you want to receive your refund?" before electronically filing your return.
• The fee for your loan is determined by the refund amount. This fee will be deducted from your refund before it is deposited into your account.
  The loan application fee is a finance charge of 2.75% of the loan amount up to a maximum fee of $97 plus a $14.95 refund account fee.
• Important Note: This fee is in addition to the online tax preparation fee.
• If you use our tax loan service to get your IRS tax refund, there is no additional charge to pay your preparation fee from your IRS tax refund.
• The tax loan is limited to $9,500. If your refund exceeds the limit, the portion over the limit will be deposited into your bank account within three weeks, with no extra fee. The tax loan must be repaid even if the IRS does not issue you a full refund.
• To take advantage of this service, you must have a mailing address other than a post office box.
• If for any reason you do not qualify for the tax loan service, your refund will be automatically deposited into your bank account within three weeks, and only the $14.95 refund account fee will apply.
• Because these loans are short-term loans, interest rates may be higher than some other forms of credit and consumers may wish to consider using other forms of credit.

Example Loan Amount	RAL Finance Charge	Estimated APR %
$    500	$13.75	93.830%
$    750	$20.63	93.853%
$ 1,000	$27.50	91.250%
$ 1,500	$41.25	93.830%
$ 2,000	$55.00	93.830%
$ 3,000	$82.50	93.830%
$ 4,000	$97.00	82.465%
$ 9,500	$97.00	34.229%

• If the loan is approved but it is not paid back after two IRS payment cycles, you will be assessed a 1.5% late fee monthly on the outstanding balance.