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Alternatives to Tax Reimbursement Loans

 

Instead of relying on a prepayment loan to get a cash loan quickly, there are a few things you can do to speed up your tax refund and get a financial benefit. Here are five:

 

Step # 1: deposit as soon as possible

According to the IRS, almost a fifth of all Americans saves their taxes at the last minute. And if you wait until April 15 to file your tax returns, you probably won’t see your return until late April or early May.

If you need money sooner, save your taxes sooner. Employers must legally provide their workers with their tax documents by January 31. As soon as you receive it and have collected all the other required information, you can submit it. The IRS is expected to begin processing tax returns and submitting refunds in early February.

 

Step # 2: Create a direct deposit account

A bank account that supports direct deposit can reduce the time it takes for the IRS to process and approve your refund,” says Dayan. What if you don’t have a bank account? Well, it will be difficult to get the most out of your tax refund, as you will likely have to rely on check-cashing companies that charge fees for their services. If you don’t already have a checking account, it may be time to open it so that you can file your tax return directly to your bank account.

 

Step 3: Adopt technology with electronic filing

Filing your taxes using the electronic file can also reduce IRS processing,” advises Dayan. There are even options to archive directly and for free. If you don’t have a computer, your local library may have one that you can use for free.

 

Step 4: Finish based on your refund

Contrary to popular belief, you may not want a tax refund. Yes, it’s nice to have lots of change at once, but your tax refund is not the same as a work order or some sort of annual gift from the government. All of this money is money you’ve earned all year, the money you lend to the government for essentially zero interest.

If you don’t have money in most months but receive a large refund each spring, check your W-4 and consider adjusting your tax deductions to avoid having so much money withheld from your check of pay.

Imagine that instead of getting $3,500 at a time, you can add an additional $291 to your monthly budget. This amount can mean the difference between a cash salary and extra money to start saving, paying for cars, or even having fun.

Step # 5: Find a Better Lender

If you really need a loan to survive until your tax refund arrives, it is certainly possible to get another loan on cheaper terms. If you need any help, there are many financial companies that also offer free debt and credit counseling. 

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