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Refund anticipation loan ( RAL) is a short-term consumer loan in the United States provided by a third party against an expected tax refund for the duration it takes the tax authority to pay the refund. The loan term was usually about two to three weeks, related to the time it took the U.S. Internal Revenue Service to deposit refunds in ...
Getting a tax refund advance or a refund anticipation loan through a tax preparation service might seem like a quick and easy way to get funds, but as experts warn, these types of loans come with ...
RALs (Refund Anticipation Loans) are short term loans on the security of an expected tax refund, and RACs (Refund Anticipation Checks) are temporary accounts specifically to wait to receive tax refunds, which are then paid by a check or debit card from the bank less fees.
California Attorney General Bill Lockyer sued H&R Block in February 2006, alleging the company's refund anticipation loan (RAL) business violated state and federal laws in its marketing and providing of high-cost RALs mainly to low-income clients. The lawsuit also alleged Block received a "substantial portion of the loan fees", in some cases ...
A refund anticipation loan is a loan against your estimated tax return. A tax preparer will calculate what the IRS owes you and loan you a portion of that amount right away.
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