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First Refund refund and Loan Options


How Do You Want Your Money? 

Paper Filing

3-5 weeks (direct deposit)/4-6 weeks (check mailed), we prepare your return, you sign/mail/return paperwork to IRS, funds available through direct deposit, mailed check.

Electronic Filing (E-File)

 8-15 days (direct deposit)/15-22 days (checks mailed); electronic filing of tax return with IRS; funds available through direct deposit, check mailed, debit card; immediate e-filing of your return. E-filing with First Refund, ltd offers the most up-to-date and rapid processing of your tax return.  First Refund, ltd is an authorized IRS e-filer.

Electronic Refund Check or Deposit (ERC or ERD)1

8-15 days funds available through direct deposit, paper-check picked up in store or debit card; no required up front fees; immediate e-filing of your return.

Refund Anticipation Loan (RAL)1

24-48 hours loan funds available through paper-check picked up in store or loaded on debit card; no required up front fees; immediate e-filing of your return loan funds available through paper-check picked up in store or loaded on debit card; no required up front fees; immediate e-filing of your return.

Qualified First Refund, ltd customers can apply for a Refund Anticipation Loan (RAL)1. To qualify for a Refund Anticipation Loan, several requirements will be considered including the customer’s anticipated tax refund.

No Upfront Costs If you choose an Electronic Refund Check (ERC)1 or a Refund Anticipation Loan (RAL)1 you pay nothing at the time of your tax preparation because all your fees can be paid with your refunds.

If a RAL1 is selected and your loan is approved, bank fees are deducted from the loan amount and the balance of the loan is given to you. Your refund is used to pay back your loan and your tax preparation and other fees.

 

Can’t find the filing option that fits your needs? Ask your local First Refund, ltd tax professional to explain all the product options available.

 

1 A Tax Refund Administration Fee will apply to Electronic Refund Checks (ERC) and Electronic Refund Deposits (ERD). A Refund Anticipation Loan (RAL) may be applied for in addition to an ERC or ERD, and if approved a Finance Charge and Credit Investigation Fee will apply. ERCs, ERDs and RALs are products provided by Citizens Bank & Trust Company. Consult with your First Refund preparer about tax return filing options.  In Maine, tax refunds can be obtained without a loan or extra fees if tax returns are electronically filed with direct deposit.