Refund Anticipation Loans

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Refund Anticipation Loans are also commonly referred to as Income Tax Return Loans, Income Tax Advances or Income Tax Loans among others.

Loan Terms: eTax Loan works with many lenders and does it’s very best to match you with the lender with the most competetive loan terms based on the information you provide on the application. All repayment terms are provided by the lender and therefore all questions concerning loan terms should be addressed directly with the lender you are matched with. Lenders can and do have different loan terms. This includes the loan APR, the amount of the loan, repayment schedules, etc. We at eTax Loan do our part by helping you get the money you deserve by matching you with a quality lender as quickly as possible and by keeping your personal information safe and secure by using the latest encryption technology.

Loan Approval: The first thing that you must do is to fill out our no-obligation online application. The application is very short and easy to understand and we only ask for information that is needed to be able to approve the loan for you. After your application is submitted, it is instantly processed and you are immediately matched with a lender. If for some reason we cannot find a lender that is a match for you then you will be redirected to a page where you can get a free credit report as our gift.

Getting the Money: Once matched with a lender you will be presented with the loan offer which will clearly show all loan terms, including amount financed, amount to be repaid, repayment date and information on different ways you are able to pay off or extend the loan. It is up to you at this point to either accept or decline the loan. If you decide to decline the loan then it will cost you nothing. If you accept the loan, by typing in your name as your electronic signature, then the money will be sent to the bank account you provided. While the funds are usually transferred the same day, most banks do not make the funds available until the next business morning.

Loan Repayment: When the loan is due to be repaid, most lenders draft the repayment directly from the account where the funds were deposited. If you wish to keep the money longer, make partial payments, or make other repayment arrangements then you must contact the lender by phone or through their website and they will be more than happy to assist you.

eTax Loans provides online refund anticipation loan services of one type or another in almost all 50 states. However, some states only allow for issuing of refund installment loans or refund lines of credit.

APR Notice regarding Refund Anticipation Loans

The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans with low APRs may be loans for larger loan amounts and for longer terms. Loans with high APRs may be loans for smaller amounts and for shorter terms. Our lenders may offer you a loan with an APR between 200.00% and 780.06%. If you are looking for a small amount loan with a short payoff period, your lender may only offer you loans with an APR in the high end of the range displayed.

Please note: Short term loans are an expensive form of credit. Short-term loans should be used only for immediate financial needs and not as a long-term financial solution. If you have credit difficulties, we recommend that you seek credit counseling or meet with a nonprofit financial counseling service in your community.

This APR notice is being provided to you pursuant to our terms of Service with Google. This notice is not required by any federal, state or local law. We are not a lender but will match you with a lender in our network and only your lender can provide you with information about your specific loan terms and APR. The amount borrowed, amount to be repaid and cost of the loan will be on the loan document but you can ask your lender for more detailed information about their current rates.

Actual loan rates are between $10 per $100 borrowed and $30 per $100 borrowed. An APR reflects the cost of a loan if kept out for a year, but these are not 1 year loans, and the actual loan rate reflects the actual cost of the loan. We will try to match you with a lender at the lowest possible rate. If you do not accept the loan rate as provided by the lender on the loan document, then by all means, do not electronically sign the loan document.

Additional information regarding Refund Anticipation Loans

All eTax Loan lenders act as a credit service organization or credit access businesses (CSO/CAB) in Texas and are not the lender - loans there are made by third-party lenders in accordance with Texas Law.

This is an invitation to submit a refund anticipation loan application, not an offer to make a refund anticipation loan. No person applying is guaranteed to receive either a refund anticipation loan, tax refund loan in 1 hour, tax refund installment loan or tax refund line of credit or any other type of loan.

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