About our loan program

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​The Refund Advance is an optional tax-refund-related loan provided by Pathward®, N.A., Member FDIC (it is not the actual tax refund) at participating locations. Program availability and loan amounts may vary based on state and software provider. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan. Loans are offered in amounts of $250 (where available), $500, or $1,000, 25%, 50%, or 75% of your expected tax refund from $250 – $6,000. When calculating the amount of your loan, the amount of your “expected” tax refund may be affected by any refundable tax credits. Loans in the amounts of $250, $500, and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans in the amounts of 25%, 50%, or 75% of your expected tax refund have an APR of 36.0% with a minimum loan of $1,250. For example, a $2,500 loan representing 50% of the expected refund borrowed over a 29-day term, the total amount payable in a single payment is $2,571.51 including interest. Availability is subject to the satisfaction of identity verification, eligibility criteria, and underwriting standards.  Certain Refund Advance Loans are available at no cost to taxpayers, however, other options include a consumer fee.

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