Refund Advance Loan Overview

1. 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 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, $2,500 loan representing 50% of expected refund borrowed over 29 day term, total amount payable in a single payment is $2,571.51 including interest. So it will cost you $71.51 in an interest fee to get the $2500. 

- These funds transfer to your account generally within 24-48 hours of lender approval and your acceptance.

- Availability is subject to 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.

- When getting a tax advance loan you are not paying for your tax preparation fees at time of service. We as tax preparers have to wait until the IRS process' your tax return and authorizes your refund, to get paid for our services. Therefore, any applied discounted rates or other promotional discounts do not apply. You will be deducted fees at the full tax preparation rates.

The Refund Transfer is an optional 
tax refund-related product 

Disclosure:

- The Refund Transfer is not a loan. 

- E-fi ling of tax return is required to be eligible for the product. 

- This is product is offered by Pathward®, N.A., Member FDIC. 

- Subject to approval. 

- Fees apply. 

- See terms and conditions for details.

Consent Form

Federal law requires this consent form be provided to you. Unless authorized by law, we cannot use your tax return information for purposes other than the preparation and filing of your tax return without your consent. You are not required to complete this form to engage in our tax return preparation services. 

If we obtain your signature on this form by conditioning our tax preparation services on your consent, your consent will not be valid. Your consent is valid for the amount of time that you specify. If you do not specify the duration of your consent, your consent is valid for one year from the date of signature. 

If you do not consent, you may still have your tax return prepared and electronically filed by us for a fee. For your convenience, we have entered into an arrangement with third parties to provide qualifying taxpayers with the opportunity to apply for an Electronic Refund Disbursement Service and/or Loan product. 

To determine whether these products may be available to you, we will need to use your tax return information in order to calculate the amount of your anticipated refund. 

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