Tax refund advance
Where's your refund? You can get your tax refund instantly by signing up for a tax refund advance.
IRS Refund Cycle
The IRS website states that “The IRS issued more than 9 out of 10 refunds to taxpayers in less than 21 days last year. The same results are expected in 2013.” This means that you will probably receive your federal tax refund within three weeks of e-filing your tax return.
If you file a paper tax return by postal mail, however, the IRS will likely issue your tax refund within six to eight weeks after receiving your return. If you file your tax return electronically online (also known as “e-file”), it will be processed faster in the IRS system, which means you can expect to receive your tax refund faster as well — usually within three weeks.
Expect delays if you filed your tax return late or if the IRS finds mistakes on your tax forms. But keep in mind that the IRS has millions of tax returns to process, therefore some delays may just be a result of high volume.
Tax Refund Advance
You can receive an immediate tax refund by getting a tax refund advance. This is also sometimes referred to as an "instant refund". A tax refund advance is essentially a loan that you get from the tax preparation service you use to file your income tax return. Many taxpayers like to request a tax refund advance because it's fast — you can receive the money as soon as your tax return is accepted by the IRS. Afterwards, you don't really have to do any work in repaying the loan because the IRS will send your actual tax refund check to the tax preparation service that gave you the tax refund advance.
Refund Anticipation Loan
Obtaining a refund anticipation loan (another term for a “tax refund advance”) is an affordable way to speed up the process of getting your money from your tax refund. By getting refund anticipation loan, you won't be left asking “where's my refund?” weeks after you file your return. Tax refund advance loans provide cash equal to the amount of your actual tax refund, and they do so in a very short amount of time.