Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Alternatives to tax refund advances
Don't want to pay to have your taxes prepared? Miss the deadline? Consider one of these options instead.
Personal loans are a good choice if you have one or two large expenses you want to pay for but your tax refund won’t cover it. Rates are typically low for borrowers with good to excellent credit, and you can find amounts up to $100,000.
Pay advance apps
Pay advance apps are ideal if you frequently find yourself short on cash between paychecks. They’re a low-cost way to get an advance on the hours you’ve already worked, and many can transfer funds into your bank account the same day you apply. Most of these apps also don’t take your credit score into consideration, meaning they can be a good option if you’ve struggled to stay on top of your bills in the past.
Installment loans can be helpful if you aren’t able to get an advance on your tax refund and need money fast. Most lenders are willing to work with borrowers of all credit types, and many offer next-day funding. Just watch out for high rates and fees that can lead to APRs in the triple digits.
If you only need a small amount and don’t have the money to professionally file your taxes, a payday lender can help you get up to $500 quickly. But these loans are expensive — so consider a pay advance first.
Read more about these alternatives
Frequently asked questions
Read on for more answers to common questions about alternatives to tax refund advances.
More guides on Finder
Best business tax software for 2021
Compare the best small business tax software if you’re self-employed, a freelancer, a partner and more.
Investing in your 30s: 8 wealth-building tips
Prepare to revamp your asset allocation and explore new investment classes.
FloatMe pay advance app review February 2021
Small cash advances perfect for avoiding steep overdraft fees.
Should I max out my 401(k)?
The rush of turning $19,500 into $1 million can be enticing, but it’s not always the best idea.
What to do when your mortgage forbearance period ends
TLDR: Don’t panic — you won’t be forced to pay everything back at once.
How to get rid of Private Mortgage Insurance (PMI)
Smart strategies that homeowners can use to get rid of Private Mortgage Insurance (PMI).
Best tax software for 2021
We researched over 20 tax software programs to help you quickly compare the top six.
401(a) vs. 401(k): How they differ
401(a) and 401(k) plans are retirement savings vehicles with tax benefits, but they have key differences.
401(k) contribution limits for 2021
Unlock the tax benefits of these retirement accounts and what to do if you maxed out.
Compare garage door installation services
Plus, 6 questions to ask to find the right professional for the job.
Ask an Expert