Refund and Loan Options

How Do You Want Money? 

Paper Filing

Return done as a standard paper return and must be mailed by you to the IRS. Tax preparation fee due at the end of the interview. Refund check arrives from IRS in approximately  5-7 weeks.  

Electronic Filing (E-File)

Electonically file return to IRS with your refund sent to you via check or directly deposited to your bank account by the IRS. Tax preparation fee due at the end of the interview. 

Electronic Refund Check or Deposit (ERC or ERD)*

Electronic Refund Check and Electronic Refund Deposit typically available in 8-15 days of electronic filing of a tax return. Your refund can be deposited into your bank account, or picked up here if you do not have a bank account.   

Refund Anticipation Loan (RAL)*

Refund Anticipation Loan is based on your anticipated tax refund and is available in as little as 24 hours. Pick up your check here or have it deposited to your bank account.

 

Qualified Liberty Tax Service® customers can apply for a Refund Anticipation Loan (RAL)*. To qualify for a Refund Anticipation Loan, several requirements will be considered including the customer’s anticipated tax refund. 

 

Can’t find the filing option that fits your needs? Ask your local Liberty Tax Service tax professional to explain all the product options available. 

 

Republic Bank  

*A Refund Anticipation Loan (RAL) is a loan secured by your tax refund and is offered by Republic Bank & Trust Company to qualifying applicants, and is available to Electronic Refund Check or Deposit (ERC or ERD) customers. If approved for a RAL, a Finance Charge and Credit Investigation Fee will apply. RAL proceeds are available within 24 hours of IRS acceptance. A Tax Refund Administration Fee and other fees may apply for the ERC or ERD, and will be deducted from the customer’s tax refund. Visit your tax preparer to learn about all filing and product options, including obtaining your refund without a loan and at no additional cost.   

   

SGS Credit Services, Inc.  

Loans are made by SGS Credit Services, Inc. in AZ or TX; SGS Consumer Finance, Inc., in MI or LA; SGS Funding, Inc., in MO; RCL Finance, Inc. in OH; or SGS WA, Inc., in WA.  All loans are subject to credit approval.  Account Handling Fee and Finance Charges may apply. SGS Credit Services, Inc. is located at 201 E. Abram Street, Suite 120,  Arlington, Texas 76010.