Refund Advance Loan

REFUND ADVANCE

0 Loan fees. 0% APR. Up to $1,000

Skip the wait! You could get an instant Refund Advance in as little as 1-2 days after IRS acceptance, starting Jan 26

Work with a pro

Why people choose Refund Advance Loan

  • No Loan Fees

  • No Credit Score Impact

  • No Interest
File my taxes

How does Refund Advance work?

  • File your taxes with an RovaTax pro

    During your virtual appointment, your pro will help you apply for Refund Advance loan.

  • Decide how to receive your loan funds

    If approved, get access to your loan funds in your banking account or FasterMoney Card in 1-2 days.

  • Repay the loan with your refund when it arrives

    We’ll help you set up repayment so that your refund automatically pays back the loan once it’s received.
File my taxes

Don’t wait on your refund. Get up to $1,000 in your pocket today with Refund Advance

  • REFUND ADVANCE

    1-2 days

  • IRS DIRECT DEPOSIT

    21 days

  • IRS PAPER CHECK

    28+ days
Start today

Refund Advance Loan FAQs

What is Refund Advance?

Refund Advance loan is a no-interest loan that is repaid with your tax refund.

File your taxes with RovaTax and apply between January 26, 2026 and March 15, 2026.

If approved, a loan will be issued in one of six amounts ($250, $500, $1,000). Refund Advance is a loan issued by Pathward®, N.A.; it is not your tax refund.

How do I repay the loan if approved?

Your loan is automatically repaid from your federal tax refund—no extra payments from you.

Choose one option when we file:

With Refund Transfer ($59.95 fee)
Full refund goes to Refund Transfer Account first.

Remaining funds go to your chosen method:
Direct deposit to your bank account
FasterMoney Visa Prepaid Card.

Without Refund Transfer (no extra fee)

Loan repaid via Repayment Account.

Remaining refund loads to your FasterMoney Visa Prepaid Card or bank account.

How do I get my funds if I am approved?

Loaded to the FasterMoney® Visa® Prepaid Card

Direct deposit to your bank account (provide your routing and account numbers during setup).

How much does this loan cost?

The Refund Advance loan is a 0% APR loan. There is no interest and no loan fees charged for the Refund Advance loan.

Fees for other optional products or product features may apply.

How are applications approved?

You first must meet certain eligibility requirements such as e-filing a tax return, expecting a sufficient refund by the IRS and provide appropriate identification.


You then submit an application to Pathward®, N.A., the lender. The bank will evaluate your application based on standard underwriting criteria and makes the decision to approve or deny your application.

Will it affect my credit score?

No. The bank may review your credit report as part of your application, but the review will not impact your credit score.