One ask, many lenders
Fill out a single request and it reaches a whole network at once — no retelling your story ten different times.
Tax Season Cash
Up to $5,000
Bills won't wait for your refund. Request $100 to $5,000 and get matched with lenders in minutes — no paperwork, no obligation.
Your data is protected
Minutes to ask
No judgment, ever
Built to feel like a favor, not a form
We kept the parts that matter and threw out the parts that make borrowing feel awful.
Quick, on purpose
Most people finish the form in about five minutes. If a lender approves your request, funds may arrive as soon as the next business day.
No score-shaming
Rough patch, clean slate, somewhere in between — lenders here weigh more than a credit score. Approval is never guaranteed, but asking costs nothing.
Three easy, unhurried steps
No paperwork marathons, no hold music — just three simple moves between here and an answer.
1
Say what you need
Pick an amount and answer a few gentle questions. That's genuinely most of it.
2
Meet your match
If a lender wants to work with you, you'll see their full terms before anything else happens.
3
Take your time, then accept
Say yes when it feels right. From there, many lenders can send funds as soon as the next business day.
Tax season loans from $100 to $5,000
Tax season can squeeze a budget from both sides. A refund can take weeks to arrive, and by law the IRS cannot issue refunds that claim the Earned Income Tax Credit or the Additional Child Tax Credit before mid-February. If you owe instead, the balance is due by the filing deadline. Tax Advance Loans is a free online service that connects people who need money in the meantime with lenders who may be able to help. You fill out one request, and we pass it to a network of independent lenders. Tax Advance Loans is not a lender or a tax preparer and does not make credit decisions: the lender you are matched with reviews your request and sets the terms.
How this differs from a refund advance
A refund advance offered by a tax preparer is tied to the refund you expect and is repaid out of it. Loans requested through Tax Advance Loans are personal loans: approval depends on each lender's own criteria rather than on the size of your refund, and you repay the lender on the schedule in your loan agreement, whether or not your refund arrives on time or in the amount you expected. We do not prepare tax returns and do not offer refund anticipation loans.
Common reasons people borrow at tax time
- Bills that fall due before the refund. Rent, utilities, a car payment or a repair that cannot wait a few weeks.
- A balance due. If you owe the IRS, compare a loan with the IRS's own payment plans before you decide.
- Early-year expenses. Winter heating bills, medical costs or holiday debt that carries into the new year.
How a request works
- Tell us what you need. Choose an amount between $100 and $5,000 and answer a few questions. There is no paperwork to upload.
- Get matched in minutes. If a lender is willing to work with you, you see its offer, including the rate, APR, fees and repayment terms, before anything is final.
- Decide without pressure. Using Tax Advance Loans costs you nothing, and you are under no obligation to accept an offer.
Rates, fees and repayment
Rates, fees, APR, late-payment rules and renewal options are set by each lender and depend on the laws of your state. They are spelled out in your loan agreement, so read it carefully before you sign. Late or missed payments can lead to extra fees, lower your credit score and result in collection activity. Our Rates & Fees page explains what to look for.
Less-than-perfect credit
A rough credit history does not rule you out on its own. Some lenders in the network weigh your income and steady employment alongside your credit history. Lenders may start with a soft check, and some check your credit with Experian, Equifax or TransUnion, or with alternative providers, before finalizing an offer. No one can guarantee approval: each lender decides on its own terms.
When the money arrives
Many lenders can send funds as soon as the next business day after you accept an offer, although transfer times vary by lender and by your bank. Short-term loans are meant for immediate needs rather than as a long-term financial solution, and the service is not available in all states. Read more about how we choose our partners in our Responsible Lending Policy.
Things people usually ask
Straight answers, in plain language.
Not us directly — we're a free matching service. Your request goes out to independent lenders in our network, and whichever lender you match with makes the actual offer and decision.
Some lenders start with a soft check that leaves no mark at all. Others may run a fuller check before finalizing an offer — either way, they'll tell you clearly before anything is final.
Plenty of lenders in the network can send funds as soon as the next business day once you accept. Your bank's own timing plays a part too.
It doesn't rule you out. The network includes lenders who weigh income and steady employment alongside credit history. No one can promise approval — each lender decides on its own terms — but a rough history alone doesn't end the conversation.
Go on, just ask.
It costs nothing to see what's out there, and no one's holding you to anything.
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