Tax Refund Advance
Need money now but don’t want to wait weeks for the IRS? Tax refund advance loans let you access part of your expected tax refund fast—often the same day you file.
No waiting. No long applications. No traditional credit check.
What Is a Tax Refund Advance Loan?
A tax refund advance loan gives you early access to your tax refund before the IRS sends it. Instead of waiting 21+ days, you receive cash up front, and the loan is repaid automatically when your refund arrives.
- Based on your refund—not your credit score
- Short-term funding
- Online application
- Funds sent quickly to your bank or prepaid car
What You Need To Apply
To apply for a loan through 90 Second Loans, you’ll need the following items.
- Must be 18 years old or older
- Have a steady monthly income
- Valid email address
- Working telephone number
- Bank account in good standing
Getting a Tax Refund Advance is as easy as 1‑2‑3
1
Apply Online Easily
Fill Out Short, Simple Online Loan Request Form
2
Loan Decision In Minutes
Find Out If You Qualify Fast With No Impact on Credit Score
3
Get Your Money Quickly
Once Your Approved Recieve Cash As Soon As The Next Business Day.
How Tax Refund Advance Loans Work
Getting a tax refund advance is simple:
- File your taxes with a participating tax preparer
- Estimate your refund amount
- Apply for a refund advance loan
- Get approved—often within minutes
- Receive funds fast (same day or next business day)
- Loan is repaid automatically from your IRS refund
How Fast Can You Get a Tax Refund Advance?
Many borrowers receive their tax refund advance the same day their return is accepted. Speed depends on:
- IRS acceptance
- Filing accuracy
- Funding method (bank deposit or prepaid card)
This makes tax refund advance loans one of the fastest ways to get cash during tax season.
How Much Can You Borrow?
Tax refund advance loan amounts typically range from:
$100 to $5,000
Your approval amount depends on:
- Expected refund size
- Filing status
- Income verification
- Lender limits
You never borrow more than your projected refund.
No Hard Credit Check Required
Most tax refund advance loans do not use a traditional credit check. Approval is based on:
- Your tax return
- Identity verification
- Refund eligibility
This makes refund advances accessible for borrowers with:
- Bad credit
- No credit history
- Recent financial setbacks
Who Qualifies for a Tax Refund Advance Loan?
You may qualify if you:
- Are filing a valid federal tax return
- Expect a refund
- Have proof of income
- Can verify your identity
- Use a participating tax preparer
No perfect credit required.
Are Tax Refund Advance Loans Legit?
Yes—tax refund advance loans are legitimate when offered by licensed lenders and reputable tax preparation companies.
To stay safe:
- Read all loan disclosures
- Confirm fees before agreeing
- Avoid offers promising “guaranteed approval” without verification
Transparency matters.
Are There Fees or Interest?
Our lenders are upfront with any expenses. The application is free and there is no impact on your credit score when you apply to see your tax refund advance loan offer. Any interest or fees that trhe lender charges is clearly stated in the loan documents. completely read the documents before agreeing to any loan. If you have any questions contact trhe lender directly.
Tax Refund Advance Loans vs Other Options
Tax Refund Advance vs Waiting for IRS Refund
✔ Get money now
✘ Waiting can take weeks
Tax Refund Advance vs Payday Loans
✔ Lower risk
✔ No traditional credit check
✔ Repayment from refund
✘ Payday loans often cost more
Tax Refund Advance vs Personal Loans
✔ Faster approval
✔ Easier qualification
✘ Personal loans may take longer
Is a Tax Refund Advance Loan Right for You?
A tax refund advance loan may be a good option if:
- You need cash immediately
- You’re expecting a refund
- You understand the terms
- You can tolerate potential fees
It’s best used for short-term needs, not ongoing expenses.
Get Started With a Tax Refund Advance Today
If you’re expecting a tax refund and need money now, a tax refund advance loan can help bridge the gap—fast, simple, and credit-friendly.
Apply now to see how much you can get before your refund arrives
The 90 Second Loans Advantage
When it comes to loans 90 Second Loans has been helping customers for over two decades with financial solutions like Payday Loans, Installment Loans, Personal Line of Credit, Tax Refund Loans.
90 Second Loans Customer Reviews
“ Everything is done online fast and easy ”
Kirk M.
Customer
“Has to be one of the fastest ways to apply for a loan”
Jose G.
Customer
“I was able to get funded fast”
Kelly T.
Customer
Tax Refund Advance FAQs
Is a tax refund advance a loan?
How fast can I get a tax refund advance?
Do tax refund advances hurt your credit?
How much can I get from a tax refund advance?
Are tax refund advances worth it?
8242 South Harvard Ave. Tulsa, OK 74137
info@90SecondLoans.com
1(844)514-1127
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APR Disclosure
Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Direct lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change. If you have questions about your loan contact your lender directly and for any other questions contact us thriugh customer service.
Material Disclosure
Exclusions
Residents of some states may not be eligible for some or all short-term, small-dollar loans.
Credit Implications
90 Second Loans does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. How do I reach customer service? You can email us at info@90SecondLoans.com
