Tax Refund Cash Advance Emergency Loans 2023
If you’ve filed your federal income taxes and expect a tax refund from the IRS, you can qualify for tax refund cash advance emergency loans. Unexpected costs and emergencies can pop up on anyone, and a tax refund cash advance loan USA can be a suitable solution when you need quick cash.
It’s an excellent option for accessing your refund early as you wait for the IRS to process your tax return and send you a check or direct deposit. Read on to find out everything you need to know about Viva Payday Loans’ tax refund cash advance emergency loan USA.
What Is A Tax Refund Cash Advance?
Officially called a refund anticipation loan (RAL), a tax refund cash advance refers to a short-term loan a lender provides you based on your federal income tax refund.
A tax refund cash advance emergency loan USA is suitable for taxpayers who file early in the tax season and claim the Additional Child Tax Credit (ACTC) or the Earned Income Tax Credit (EITC). According to federal law, the IRS cannot provide tax refunds right away if you claim these credits.
You may have to wait longer than usual, making a tax refund cash advance a lifesaver when you need money quickly for the short-term. The IRS usually issues refunds within 21 days after getting your return, and it can take over six weeks for paper returns.
Vivapaydayloans.com provides a free matching service to lenders who can get you the money faster depending on your refund option. Such lenders may or may not offer tax preparation services and can provide you with a tax refund cash advance from $200 to $4,000.
How Do Tax Refund Cash Advance Emergency Loans Work?
A tax refund cash advance emergency loan works like other short-term loans, but the advance amount is based on your refund amount. It only lasts a couple of weeks or long enough for the IRS to process your tax refund. When you apply through Viva Payday Loans, you can choose from 1 to 8 weeks to repay the advanced amount.
The tax refund cash advance emergency loans you get from lenders will have the value of your anticipated refund minus any interest charges or fees. You’ll get a lump sum of cash deposited directly into your bank account or a prepaid card. Lenders set up an automatic debit on your account, so the amount plus any fees or interest gets deducted automatically when your refund arrives.
Once your refund gets processed by the IRS, it goes directly to the lender, and the loan gets repaid. You may need to repay the loan in full if the refund is smaller than your tax refund cash advance. Lenders may charge application fees or filing costs if they’re helping you file your taxes. Funding time may depend on the lender and how you wish to receive the tax refund cash advance.
With Viva Payday Loans, you can expect speedy payouts. Our lenders understand the urgency of seeking a cash advance, and you can get funded in a matter of hours once you’re approved. A tax refund cash advance emergency loan USA can help you cover small minor expenses like car repairs, food, or a hospital bill as you wait for your refund.
Types of Cash Refund Cash Advance
Tax Refund Cash Advance With Bad Credit
Gone are the days when bad credit was a death sentence when you needed to borrow money. Through Vivapaydayloans.com, you can access lenders who offer a tax refund cash advance with bad credit to Americans who’ve faced financial difficulties in the past.
Our lenders are understanding and less fixated on the past. They’ll readily help you access the funds you need, even with a bad credit score. A tax refund cash advance emergency loan has less risk than other unsecured loans, making credit score requirements less restrictive.
While some lenders may review your credit history, qualification will largely depend on the amount of money you’ll get refunded from the government. The best part is that once you repay, it can reflect positively on your credit report and help you improve your credit score.
Tax Refund Cash Advance No Credit Check
If you have a less than perfect credit score and don’t want lenders prying into your credit history, you can opt for tax refund cash advance emergency loans no credit check. It features fast processing because it doesn’t require a credit check for approval or funding.
It’s suitable for everyday Americans with a bad or non-existent credit history. Lenders at Vivapaydayloans.com don’t judge or discriminate. They’ll treat you as an individual. Provided the expected refund can afford to repay the loan, you can qualify for a tax refund cash advance with no credit check.
They’re usually small loans that go up to $2,000. However, depending on your affordability, you can find lenders at Viva Payday Loans, providing up to $4,000.
Tax Refund Cash Advance For Unemployed
You don’t have to be formally employed to earn an income or file your returns as a taxpayer. The 1099-MISC reports income you’ve made as a self-employed taxpayer or independent contractor. The 1099-INT reports interest income, while the 1099-DIV reports dividend income.
You can receive a tax refund even when you receive 1099 without paying any estimated taxes through refundable tax credits. While traditional lenders may have strict criteria about lending to unemployed individuals, specialized lenders available at Vivapaydayloans.com are more suitable.
Such lenders accept all types of income when assessing affordability, and they can provide a tax refund cash advance for the unemployed if you’re expecting a refund from your 1099. They’re usually small cash advances from $100 to $2,000, and the smaller the loan, the higher your chances of approval.
Tax Refund Cash Advance Emergency Loans 2023 Near Me
While most lenders mandate that you have a bank account to qualify for tax refund cash advance emergency loans, lenders at Viva Payday Loans are more flexible. If you’re among the few unbanked Americans, you can still access a tax refund cash advance without a bank or checking account.
You’ll only need a prepaid debit card, a convenient way to pay for daily needs and expenses in a single swipe. Not all lenders offer cash advances with a prepaid debit card, and this is where Vivapaydayloans.com come in.
We’ll freely connect you with suitable lenders who can provide a tax refund cash advance without a bank account. You can borrow from $100 to $4000 and have an automatic debit set up to cater for repayments in a worry-free process.
Features Of Tax Refund Cash Advance Emergency Loans 2023
Affordable Loan Amounts
The last thing you want is to borrow more than you can afford. To ensure you only borrow what you can afford, lenders at Viva Payday Loans offer tax refund cash advance emergency loans 2023 from as low as $100. You can borrow within your expected refund to meet your needs without getting into financial hardship.
Instant Cash Advance
At Vivapaydayloans.com, we believe waiting is overrated and so do our lenders. You can expect to get approval within minutes of making your application and have money on your account in a few hours on the same day you apply.
Trustworthy Lenders
Viva Payday Loans only works with the most trustworthy and reputable lenders in the US, and we’ll connect you to them free of charge! You can rest assured you’re in safe hands and will get some of the best deals, rates, and terms.
Inclusive Lending
Americans from all walks of life can access tax refund cash advance emergency loans 2023 from lenders at VivaPaydayLoans.com without discrimination. We welcome all eligible Americans, and provided you’re expecting a tax refund, you can find a fair deal to meet your needs.
Flexible Terms
You’ll find flexible deals for a tax refund cash advance emergency loans online among lenders at Viva Payday loans to ensure you get a solution that can suit your needs. It includes adjustable loan amounts, periods, and repayments.
Fees And Charges
All lenders at Viva Payday Loans are transparent about their charges. Depending on the lender, you may pay a filing cost if they help you file your returns or an application fee for the service. You can also expect a fixed reasonable interest rate between 5.99% and 35.99% among lenders at Viva Payday Loans.
Advantages and Disadvantages Of Tax Refund Cash Advance US
Advantages
Stress-free Borrowing
With Vivapaydayloans.com, you can say goodbye to frustrating and tiresome loan application processes. We aim to keep things simple for borrowers with an easy, instantaneous application and quick payouts. For increased convenience, lenders set up automatic debits, so you don’t have to worry about missing repayments.
All Credit Scores Welcome
At Viva Payday Loans, we believe your credit score shouldn’t prevent accessing funds when you need them. Tax refund cash advance emergency loans 2023 are available for Americans with all credit scores, from the good to the bad and non-existent!
Free Access To Suitable Lenders
Viva Payday Loans provides a free matching service to lenders most suitable to your circumstances. You can find a lender who caters to all kinds of needs, budgets, and backgrounds, no matter your situation. We have a comprehensive panel of the best lenders in the US, and you’ll get matched with one likely to approve your request.
Disadvantages of Tax Refund Cash Advance Emergency Loans Near Me
Expensive
A tax refund cash advance emergency loan can be expensive because of the fees involved. You can pay different charges depending on the lender and your situation. Lenders may charge application fees, filing fees, and fees depending on receiving the funds. Prepaid cards usually carry a cost, and on top of the fees, you’ll pay interest on the loan.
Eligibility Criteria For Tax Refund Cash Advance Emergency Loans Online
All lenders are independent and may have their criteria to qualify for tax refund cash advance emergency loans online. Generally, most lenders at Viva Payday Loans will require that:
- You’re above 18 years of age
- You filed your tax returns in the tax season
- You’re expecting a tax refund from the IRS
- You have valid identification
- You have a valid social security number
How To Apply For Tax Refund Cash Advance Emergency Loans Near Me
You can quickly apply for a tax refund cash advance among reputable lenders at Viva Payday Loans through a few simple steps:
Step 1: Gather Your Documents
Lenders must verify your details and the tax refund you’re expecting before approving and paying out the tax refund cash advance emergency loan. Having the required documents ready can prevent delays and expedite the process. These include:
- Valid identification
- Your social security number
- Bank statement shoring your refund amount from the previous year.
Step 2: Capture Your Details
You’ll need to capture your details by filling in an online application form at Viva Payday Loans for lenders to verify that you qualify for a tax refund cash advance emergency loan. Simply choose the amount you wish to borrow and provide your personal and refund information. Ensure your capture your details accurately to avoid unnecessary errors and mistakes.
Step 3: Application Review
Once you submit the filled-in application form, lenders will review your request and provide feedback within 2 minutes! You’ll need to provide documentation at this point for verification. Once approved, the lender will send you a loan agreement to review and accept.
Ensure you read it carefully and ask as many questions as possible about the deal and any fees. Once you’re satisfied with the terms and conditions, simply sign and return it to the lender.
Step 4: Disbursement
After signing and returning the loan agreement, the lender will pay out the approved tax refund cash advance emergency loan amount as soon as possible, usually within a few hours on the same day.
FAQ’s
When Can I Get A Tax Refund Cash Advance?
Depending on when you file your returns and expect your tax refund, you can usually get a cash advance from mid-December to late February.
Can I Get A Tax Refund Cash Advance With Bad Credit?
Yes. Lenders at Viva Payday Loans can provide you with a tax refund cash advance emergency loan regardless of your credit score or history.
Do Unemployed Borrowers Qualify For A Tax Refund Cash Advance?
Yes. You can qualify for a tax refund cash advance emergency loan online provided you’ve filed form 1099, which reports income for the self-employed and independent contractors.
How Will I Get My Tax Refund Cash Advance?
You can choose various ways to get tax refund cash advance emergency loans near me. Lenders at Viva Payday Loans can deposit the funds in your bank account or a prepaid debit card.
How Do I Repay The Tax Refund Cash Advance?
Lenders will work with you to set up an automatic debit where the loaned amount plus any fees and interest get deducted once you get your tax refund from the IRS.
