Filing Options - Refund Anticipation Loans

Quick Cash Refund Anticipation Loan

A refund anticipation loan is a loan from the bank using the taxpayer's Federal Tax Return as collateral. After the IRS accepts the tax return and the taxpayer meets all of the pre-established criteria, the bank will loan on the taxpayer's anticipated refund along with a portion of their Earned Income Tax Credit. (EITC).

THE FASTEST WAY TO FILE!
Refund check is picked up in our office in 1-3 days!

NO OUT OF POCKET EXPENSE!
Fee are deducted from your refund.

To qualify, you must meet the following requirements:

1. Must be 18 years or older and cannot be a first time filer.

2. Must have a valid physical address (No PO Boxes), phone number, and social security number.

3. Must have a net withholding of AT LEAST $200.00 (excluding any EITC).

4. Must have a refund greater than the bank and preparer fees.

5. Cannot have filed bankruptcy (of any kind) within the past 12 months.

6. Cannot have a delinquent student loan, VA loan, HUD loan, or any other obligation involving Federal agencies.

7. Cannot have delinquent child/family support.

8. Cannot have all Schedule C income or negative AGI.

9. Cannot have an outstanding or unpaid Tax Refund Loan with Santa Barbara or any other bank.

All are required to present 2 forms of ID, at least one MUST be a photo ID. Acceptable forms are:

• Valid driver's license with picture

• Social Security Card

• Military ID

• Other forms of ID are subject to approval

All new clients must also bring proof of filing a previous year's return. This can be in the form of a pay-stub or a copy of last year's return.

All RAL applications denied are automatically converted to an Electronic Refund Check (ERC) and the fees are adjusted accordingly.