Liberty Tax Refund Advance Review
Liberty Tax Service tax refund advances isn't available on Finder right now.
Our verdict
Get an advance as late as the end of February — but be prepared for finance fees.
Liberty Tax offers one of the largest advance amounts of the providers we've reviewed, until as late as the end of February. But it's also one of few that has a finance charge, though the specific amount isn't mentioned on its website. It also offers Holiday Advance loans up to $1,200 until mid January. Liberty Tax's process isn't transparent, though. Information like concrete eligibility requirements and the costs associated with advances aren't spelled out. And you'll have to visit a store to file your taxes and apply — it doesn't offer an online application.
If you're interested in no fees, you may want to compare other refund advance services.
Best for: People expecting a large advance and filed too late to qualify with another tax advance provider.
Pros
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Large advances up to $6,250
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Available through late February
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Funds possible within 24 hours
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Early Holiday Advance option up to $1,200
Cons
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Finance fees apply, costs unclear
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Eligibility not clearly disclosed
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In-person filing required
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Limited reviews and low Trustpilot score
Product details
These details go over its traditional tax refund advance, though it also offers Holiday Advance loans up to $1,200 until mid January.
| Minimum advance amount | $500 |
| Maximum advance amount | $6,250 |
| APR | Not listed |
| Turaround | As soon as within 24 hours |
| Tax preparation fee | Up to $87.95, but the price depends on the actual tax situation. |
| Application deadline | February 28, 2026 |
| States serviced | Not available in: Hawaii, South Carolina, Washington |
| Requirements | File your taxes with Liberty Tax |
What makes Liberty Tax refund advances shine?
- High maximum advance amounts. Liberty Tax offers one of the larger refund advances on the market, with Easy Advance loans ranging from $500 to $6,250 based on your expected refund.
- Late-season availability. Unlike many competitors that stop offering advances early, Liberty Tax allows applications through the end of February, making it an option for late filers.
- Fast access to funds. Approved advances may be available within 24 hours of IRS acceptance, which is quicker than waiting for a standard tax refund.
- Early access option. The Holiday Advance Loan lets customers borrow up to $1,200 as early as December through mid-January if they want money sooner.
Where Liberty Tax refund advances fall short
- Finance fees apply. Liberty Tax is one of the few providers that charges a finance fee, and it doesn’t disclose how much those fees are on its website.
- Limited transparency. Eligibility requirements, underwriting criteria, and whether applying affects your credit aren’t clearly explained upfront.
- No online application. You must visit a Liberty Tax office and file your taxes in person to apply, which is less convenient than competitors offering online applications.
- Mixed reputation. The company has a low Trustpilot score, no BBB customer reviews, and past legal action reported by the BBB, which may concern some borrowers.
How Liberty Tax’s tax Easy Advance Loan works
Between the beginning of January and the end of February, you can apply for an Easy Advance Loan at a Liberty Tax branch when you file your taxes. For 2026, the deadline is February 28. Depending on your refund, you may be eligible for an advance between $500 to $6,250.
Your advance may be available within 24 hours of IRS acceptance of your tax documents, and funds are disbursed to a DeepBlue Debit Account.
It also offers a Holiday Advance Loan for those who want their money even earlier. It runs from December to mid January, with advance amounts capped at $1,200 based on your expected refund. A finance fee also applies to this loan and varies based on the size of the advance.
How to qualify
Liberty Tax only discloses one requirement: You must file your taxes through its service, and the only option is to meet with a representative at a Liberty Tax office. However, you will also need to meet some underwriting criteria set by Republic Bank & Trust Company, though it doesn’t state what those are.
Check to see if you’re eligible by filling out Liberty Tax’s online form, but there’s no guarantee that you’ll be approved once you visit an office.
Will applying affect my credit?
It may. Liberty Tax doesn’t state outright if applying will affect your credit, so be sure to ask before you fill out an application.
How to apply
You must apply at a Liberty Tax location when you meet with a tax advisor to file your taxes. Follow these steps to book an in-person appointment for the Easy Advance Loan application:
- Visit Liberty Tax’s Easy Advance Loan page.
- Select Book an appointment.
- Fill out your city or ZIP.
- Choose from a selection of locations nearest you.
- View the online calendar to choose an available time slot.
- Enter your full name, email and phone contact plus any special instructions for your file.
- Hit Make appointment.
Once you meet with a tax preparer, you’ll learn how much you’re eligible to borrow based on your tax refund amount minus any advance loan fees.
What documents do I need to apply?
You won’t need much to see if you qualify online, but you’ll need more information when you file your taxes at a Liberty Tax branch, including:
- Date of birth
- Social Security number
- W-2s and other tax forms
- Last year’s tax information
If you aren’t interested in the high interest rate charged by LibertyTax — and the less-than-clear requirements — you can browse more tax refund loan options or look into our list of tax refund advance alternatives.
Compare tax refund advances like Liberty Tax Service
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Liberty Tax reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | No reviews |
| Trustpilot Score | 2.3 out of 5 stars, based on 29 customer reviews. |
| Customer reviews verified as of | 07 January 2026 |
Liberty Tax doesn’t have any reviews listed on its Better Business Bureau (BBB) page — and the BBB reports government action taken against the company. In 2022, the Attorney General for DC filed a lawsuit against Liberty Tax Service. The lawsuit alleges that Liberty Tax Service aggressively marketed its services to low-income residents by offering them $50 in cash “just for filing,” but then secretly increased the cost of tax preparation.
Is Liberty Tax legit?
Liberty Tax has a nationwide network of physical offices and partners with Republic Bank & Trust Company to underwrite its refund advance products, which gives it a baseline of legitimacy.
However, its reputation is mixed and past legal action by a state Attorney General raises some red flags. Transparency is limited, with fees, eligibility criteria and potential credit impact not clearly disclosed, making it harder for consumers to fully evaluate the product compared with competitors.
Frequently asked questions
Your reviews
Kellye Finder
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