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Qualifying for a loan can be difficult, but it shouldn’t have to be. If you have been denied loans in the past, it may just mean that you’re working with the wrong lender or service. This year, as refunds are delayed due to the government shutdown, consider applying for refund anticipation loans to pay bills, credit card debt, and other important expenses. Qualifying is easier than you think, and applying could mean you get your refund cash much sooner.
To Qualify for Refund Anticipation Loans You Must Have a Job
The first, most important, and simplest requirement for getting approved for refund anticipation loans is that you have a job. You should also have a regular payday and income, and your paycheck amounts should be about $800 or $1,000 per month or more. This simple qualifying factor is often enough for the right lender to determine that you can afford to take out a small loan. And that’s important with these loans: they’re small, reasonable amounts that real people can afford.
Other Qualifying Factors for Tax Refund Anticipation Loans
That you have a job and a regular income of an amount that makes sense for what you’re borrowing are the most important factors in getting approved for these tax loans. But there are still a few small boxes you’ll need to check to be sure you qualify. These include being an adult, at least 18 years old, being a legal resident in the U.S. and having a bank account. The last is important because you’ll get your cash by a transfer directly to your bank account. The repayment will also be done by deducting what you owe right from your account.
What You Don’t Need to Qualify for Refund Anticipation Loans
There are two important things you won’t need to have or prove to your matched lender to get approved for tax refund anticipation loans: a good credit score and a refund amount. Your income and job history are the main qualifying factors and are adequate for most of our lenders to feel good about approving your application. The refund you have on the way may be important for you because it makes you feel more comfortable with borrowing, but it isn’t necessary for a lender to decide you qualify.
Manage Your Credit Card Debt with Refund Anticipation Loans
If you’re thinking of smart ways to use your refund money this year, consider paying off or at least reducing any credit card deb you have. This is what is considered to be bad debt because it costs you money in interest, especially when you only pay the minimum amount due each or every month. Also, credit card debt can lower your overall credit score, causing issues in all areas of your finances. Getting refund anticipation loans is easy and you can use that money to eliminate credit card debt and give yourself a fresh financial start this year.