A Tax Anticipation Loan means no waiting on the IRS — Quick and Easy process without the wait.

Expecting a tax return from the IRS but need your tax money now? Try a tax anticipation loan and receive what you expect from the IRS now, which means no more waiting.

How is National Cash Credit different from most other Tax Anticipation Loan Lenders

Since you do not file your taxes through National Cash Credit, The amount you may be eligible to receive through a Tax Anticipation Loan depends on several key factors. Primarily, we consider the size of your income, not your refund.

By doing things this way, we help keep your most valuable information, your tax information, safe by not even asking for copies of any of your taxs or tax documents and we don't even require that you prove how much your refund will be. It is not just about the refund amount; your individual tax information actually plays no role in your loan determination. While it is not recommended, you can apply for a tax anticipation loan before you file your taxes.

That's right, you can get approved for a tax loan before you file your taxes and therefor before the IRS has even accepted your tax return.

We do not receive your refund from the IRS, you do. Another advantage of doing it this way is that your entire refund is deposited into your checking account by the IRS, it does not come to us. While IRS refunds are generally issued by the IRS within 21 days of e-filing acceptance, you can apply for a loan now and receive money by tomorrow.

Other criteria used by our lenders might include your credit profile and current financial situation. These aspects help in assessing your eligibility and determine how much you can receive. It's worth noting that you might not qualify for the highest available amount if certain criteria don't align with the lender's standards.

Available Tax Anticipation Loan Amounts

The lenders in our private network have been pre-qualified for speed, amount of loans approved and quality of service amoung other factors and typically offer Tax Anticipation Loans in various increments. Here’s a breakdown of the possible amounts you might qualify for:

$100, $200, $300, $400, $500, $600, $700, $800, $900, 1,000, $1,100, $1,200, $1,300, $1,400 or $1,500

For those needing more then $1,500, we also offer Tax Anticipation Installment Loans. Just so you know, there are many more lenders loaning amounts lower then $1500. Here's a breakdown of the possible installment loan amounts you might qualify for:

$1,600, $2,000, $2,500, $3,000, $3,500, $4,000, $4,500 or even $5,000

Your precise tax loan advance amount will depend on your individual situation, evaluated against the lender's qualifying criteria. Keep this in mind when applying to ensure you have realistic expectations based on your financial profile.

The amount you apply for determines the type of loan you'll be processed under. Loans of $1,500 or less are processed as regular tax anticipation loans and those of $1,600 or more are processed as tax anticipation installment loans.

Steps to Apply for a Tax Anticipation Loan

Applying for a Tax Anticipation Loan can be quick and straightforward when you break it down into clear steps. Here's a guide to help you through the process:

Start your application here or above

On the application, complete all questions and complete them honestly and select the amount of the loan you are requesting:

Have or Open a Checking Account:

Next, you’ll need have or open a Checking Account prior to applying. If you don't have one, here are a few online options:

First Citizen's Bank, Bank of America or PNC Bank. We have no affiliation to any of these banks and receive nothing for this reccommendation. You can accept one of these or do as we did and Google something like: "open a bank account online free".

Most banks allow you to open a checking account online. You typically need to be a legal U.S. resident and be at least 18 years old to open an account. You'll also need to provide the following: Your Social Security number, A valid government-issued photo ID, and A minimum opening deposit to activate your account.

Complete Your Tax Return:

While it is not a requirement that you complete your tax return before filing for a tax anticipation loan we do reccommend that you do so as quickly as possible.

Access and Use Your Funds:

Once your loan is approved the funds will be sent via ACH to your checking account and be available to you the next business day thus allowing you to start spending.

By following these steps, you can efficiently apply for, get approved and gain the fastest possible access to your tax refund.

Here are the top three questions we get regarding our popular Tax Anticipation Loans:

1). How does this work? It works like any other short-term financial lending product or service. You apply, get approved, get cash into your bank account but you replay the loan with your tax refund. By the way, you're not required to file your taxes prior to applying. Our lenders never ask for copies of your tax documents so you can apply for a Tax Anticipation Loan and know that your tax information will remain safe. A direct lender will lend you the amount you estimate for your tax return. In return, the borrower will pay a small fee. Once the borrower receives their check from the IRS, they can repay the loan. Since National Cash Credit lenders do not ask for copies of your tax returns and do not file your taxes for you they must set your repayment date to be on your pay date and it is up to you to file on time to have your refund in your bank account by the time the loan is due.

2). Will I qualify? As long as you’re employed, 18 or older, and have a bank account, you can qualify. We can't know for certain if you'll get a refund, so we base the loan on your income. All applications are considered, so we encourage every to apply. Bad credit never determines whether or not an application gets approved or denied.

3). How long does it take to receive the cash? It takes one business day. Our direct lenders will deposit the cash directly into your bank account once you’ve been approved. The entire process is straightforward and easy.

Eligibility Criteria for a Tax Anticipation Loan

Basic Eligibility:

Federal or State Refund Requirement: You must anticipate receiving a federal or state tax refund of at least $100.

Address Specifications:

Your physical address needs to be the same address you use on your bank account and tax return.

It must be within the United States or a US territory. PO boxes, prison addresses, and addresses in Illinois, Connecticut, or North Carolina are ineligible.

Age Requirement: Applicants must be 18 years or older.

Tax Filing Conditions:

The tax loan must be on your behalf or someone who has authorized you to apply for them on their behalf.

You must have received either Forms W-2 or 1099-R and must report income on Schedule C.

No tax forms exclude you from eligibility, including forms 1310, 4852 and 4684.

Technical and Account Requirements:

Filing Process: Your federal tax return must be e-filed.

Account Needs: You need to have or open a checking account, adhering to maximum balance and transfer limits.

Loan Specifics:

Loan Amounts: Approved loans range from $250 to $5,000, pegged at a maximum of 50% of your anticipated federal refund.

No Fees and Low Interest: The loan offers a low APR with no associated loan fees.

Repayment: Repayment is automatically deducted from your bank account on the agreed upon repayment date. Once you apply, you will see the loan cost and terms, so read the loan document carefully. There is no fine pring as the loan cost and terms will be in bold and at the very top of the loan document.

Approval and Access to Funds:

Approval Timeline: Final approval hinges on you accepting a call from the lender. There is no need to wait on the IRS accepting your e-filed return before applying. Not all applicants will qualify for the loan or the maximum permissible amount.

Fund Access: If approved, the loan amount is typically transfered via ACH within 15 minutes after approval. You can access these funds the next business morning from your checking account.

Additional Information:

Refund Disbursement: Tax refunds are usually sent by the IRS within 21 days post e-file acceptance.

Non-Approval Scenario: If approved for a loan, but your refund does not cover the loan or does not arrive before the repayment date, you are still responsible for repaying the loan. Therefore we base the loan on your income and make the repayment day on one of your paydates. If you do not make full loan repayment, future loan eligibility can and will be affected.

Remember, offers and approvals are based on meeting specific identity and underwriting standards, and they are subject to change. Always review the current terms and disclosures within your loan documents for the most accurate information.

No Tax Filing Requirement: You do not need to file your taxes before you apply for a loan but you should file your federal tax return as quickly as possible to ensure your refund is received prior to your loan repayment comeing due or you may have to file for a loan extension which will cost you more.

Does National Cash Credit offer a Tax Filing Service

No, National Cash Credit does not offer a Tax Filing Service. Our primary service is providing access to tax refund loans. You can easily file your taxes online with a tax preparer like TaxAct or third-party service, often for free.

Refund Expectations: Be sure your anticipated federal or state refund will be sufficient to cover the advance amount you request. With other lenders, the larger your expected refund, the more likely you are to be approved but National Cash Credit does not know the size of your refund, so your loan amount will be based on your current job income..

Creditworthiness: While a Tax Anticipation Loan isn’t dependent on your credit score, a basic credit check may still be necessary. This check helps ensure you meet the minimum financial standards, although it's generally less stringent than for traditional loans.

Identity Verification: Your bank ensures your identity and we therefore we require that you are on the bank account your provide. Even though your identity is verified, you might need to provide identification documents as a further measue to prevent fraud.

Income Verification: We will verify proof of a job and income. This helps confirm that the expected refund is based on legitimate earnings and that the loan repayment can be completed in cases where your refund is delayed, retained by the IRS or interfeared with in some other manner.

By meeting these key requirements, you increase your chances of securing a Tax Anticipation Loan. Always stay informed of any additional terms or conditions that might apply through the service provider you choose.

How Quickly Can You Access Your Tax Loan Funds?

Once you're approved for a Tax Anticipation Loan you can access your funds incredibly fast. Here's how it works:

Instant Access: Once approved, your loan funds will be transfered to your checking account in as little as 60 seconds and will be available for you to use on the next business morning. We do not require that your tax return has been completed or accepted by the IRS for you to apply for a tax loan.

Near Immediate Use: With the funds being transfered to your checking account on the same day you apply and therefore being available within your bank account the next business morning you'll have near immediate use of your tax refund.

Getting a tax antipation loan helps ensure you're not left waiting around for your tax refund. We provide quick and convenient access to your money when you need it most.

How much do Tax Anticipation Loans Cost

Another popular question is "how much does it cost?". We submit your application to our secure direct lenders who approve and fund the loan. Once you submit your application you will be connected with a lender and receive your approval within a few seconds. Once approved by a lender your browser will be redirected to the lenders loan document. The lenders loan document will clearly show the cost of the loan and the loan repayment terms right at the top. If you accept the loan fee and repayment terms, simply electronically sign the loan document by typing in your electronic signature. If however, you do not accept the loan cost or terms then do not sign the loan document and it costs you nothing.

Apply Quickly, Securely and Discretly

When you apply for a Tax Anticipation Loan you will receive our quickest loan application processing which is not only fast and secure but the lenders themselves will always be discret. Get your hard-earned money back now by simply clicking the link, button or image and applying: Apply for a Tax Anticipation Loan!

by Ray West