How Does a Refund Advance Work?

📅 November 23, 2025 | ✍️ By Steve Kraft | 🏷️ Blogs

Here’s the basic step-by-step: Getting a Refund Advance can be a simple process if you follow these instructions.

1. You file your tax return Titan Tax

Not every tax business offers refund advances. Only certain tax preparers work with lenders that provide these loans. In many cases, Titan Tax, for example, works with bank partners that offer same-day Refund Advance options.

2. Your tax pro submits your application

You’ll provide ID, income documentation and any other required documents to file your tax return, which is a requirement for a Refund Advance at many locations.

Titan Tax’s lender does not run a credit check, which makes these loans accessible for people who may not qualify for traditional credit.

3. The lender reviews your expected refund

Approval for a Refund Advance is based on:

  • Your confirmed tax refund amount
  • Eligibility rules set by the lender
  • No outstanding issues with your tax identity (fraud flags, past debts, etc.)

4. If approved, you receive the money the same day!

You can choose from different funding options when your Advance is approved:

  • Direct deposit to your bank account
  • Instant deposit to a debit card
  • A cashiers check

Our lender offer amounts like these for the Refund Advance:

  • $500
  • $1000
  • $2000
  • $3,000
  • $5000
  • Up to $7,000 depending on refund size and program options

5. When the IRS issues your refund, the loan is repaid automatically

The lender gets their money first. For Refund Advance loans, you receive the remaining amount after fees (if any) and your tax prep charges.

Advances are offered at all locations though the end of February. We look forward to serving you. You can get started by clicking the link here. https://www.titantax.com/refund-advance/

https://www.titantax.com/

https://www.sbtpg.com/fastcash-advance-for-taxpayers

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