Tax Refund Advances: How Do They Work?
What to know about tax refund advance eligibility, costs, and timing.
What is a refund advance?
A refund advance is a bank-sponsored product that may provide access to funds ahead of the IRS refund payment, subject to the lender’s terms. It is not an IRS benefit.
Approval is not guaranteed
Available amounts, application dates, fees, eligibility, and repayment terms vary by program and year. Not every filer qualifies.
Questions worth asking
Ask whether there are fees, how repayment occurs, whether the product affects your refund, and what happens if your IRS refund is delayed or smaller than expected.
Check current availability
All Star Tax Pros can discuss programs currently offered, if any. Do not rely on historical advertisements as a promise of current terms.
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General educational information only; not individualized tax advice. Rules and amounts can change by tax year. Confirm current guidance at IRS.gov or with a qualified tax professional.