No Fee Tax Refund Advance loan 2025

• The No Fee Tax Refund Advance loan is an advance based on your estimated tax refund.³ 
• Apply for a No Fee Tax Refund Advance loan between January 2, 2025, and February 16, 2025.
• If approved, get up to $3,500 with a No Fee Tax Refund Advance loan.
• To apply for a No Fee Tax Refund Advance loan, file your tax return with a Jackson Hewitt Tax Pro by February 16, 2025.
• You’ll need all your tax documents (W2(s), 1099s, etc.) to file your tax return and apply for a No Fee Tax Refund Advance loan.
• Applying for a Tax Refund Advance loan will not impact your credit score, and you may get approved, even if you have a low score.
• If approved for a No Fee Tax Refund Advance loan, you could get money the same day on a prepaid card with our Money Today Guarantee.² Or have it deposited directly into your bank account in one to five business days.
• There is no Finance Charge for a No Fee Tax Refund Advance loan, and zero interest.
• You can apply for a No Fee Tax Refund Advance loan at one of our more than 5,200 locations across the U.S., including more than 2,500 Walmart locations.
• Want money even earlier? Bring in your paystub(s) to apply for an Early Tax Refund Advance loan starting on December 16, 2024.¹

What does No Fee Tax Refund Advance loan mean?

The No Fee Tax Refund Advance loan is an advance based on your estimated tax refund, with no fee and 0% interest. ³

We also offer a Money Today Guarantee.2 That means you’ll get money on a prepaid card the same day you’re approved for a tax refund advance loan. 

When can I apply for the Jackson Hewitt No Fee Tax Refund Advance loan in 2025?

You can apply for the No Fee Tax Refund Advance loan starting on January 2, 2025, through February 16, 2025, at most of our more than 5,200 local Jackson Hewitt offices, including more than 2,500 Walmart locations.

How much money can I get from the No Fee Tax Refund Advance loan?

If approved, you could get a No Fee Tax Refund Advance loan of up to $3,500 with no Finance Charge or interest.

How do I apply for a tax refund advance loan?

Need money for the holidays? You can book an appointment with a Tax Pro to apply for an Early Tax Refund Advance loan¹ starting December 16, 2024. Then, once you've received all your required tax documents, book an appointment with a Jackson Hewitt Tax Pro to come back in January to get a No Fee Tax Refund Advance loan.

If you’d only like to apply for a No Fee Tax Refund Advance loan, come see your local Tax Pro, starting January 2, 2025. To finish your application, file your taxes with your W-2 and other tax documents before February 16, 2025. If you’re approved and choose to get your money on a prepaid card, you could get money fast.²

What documents do I need to complete my application for a No Fee Tax Refund Advance loan?

To complete your No Fee Tax Refund Advance loan application, you’ll need any tax documents you may receive from an employer or companies that you do work with. Once you get your W-2 or 1099-NEC, and other tax documents, you can come in to file your tax return. One of our local Tax Pros can help you apply for the tax refund advance loan, with no fee, interest, or Finance Charge! We know every situation is different, so look at our document checklist to check out what tax documents you may need.

Will applying for a tax refund advance loan impact my credit score?

No. Applying for and receiving a tax refund advance loan at Jackson Hewitt won’t affect your credit score.

Do you have to have good credit to get a tax refund advance loan?

No, you do not have to have good credit or a high credit score to be approved for a tax refund advance loan. In fact, you could get approved for a tax refund advance loan, even if you don’t have a good credit history or if you’ve been denied credit in the past.

How do I access my tax refund advance loan funds? 

If you’re approved for a No Fee Tax Refund Advance loan, you could choose to get your money in one of two ways. To get your money the day you come in, you could choose to have the money deposited on a prepaid card that we offer at each office. You could also choose to receive a direct deposit in one to five business days. 

How much does a No Fee Tax Refund Advance loan cost? 

As the name says, the No Fee Tax Refund Advance loan has no loan fee and no interest. When you file your taxes at Jackson Hewitt, you have the choice to apply for the loan (or not) for no added cost. Just come in when you’re ready to file your taxes. 

How long does it take to get a No Fee Tax Refund Advance loan from Jackson Hewitt?  

We offer a Money Today Guarantee2 for people who are approved for a tax refund advance loan and choose to receive it on a prepaid card. If you’re approved, we guarantee that you’ll get money the same day on a prepaid card.2 

If you choose a direct deposit, your funds will be available between one and five business days. 

How do I find a participating location that is offering Tax Refund Advance loans and book an appointment? 

We have more than 5,200 locations across the U.S., including more than 2,500 Walmart locations. You can find your nearest open location here. Book your appointment online or call a local office directly. 

No Fee Tax Refund Advance loan vs. Early Tax Refund Advance loan 

While some people only want a No Fee Tax Refund Advance loan, others may want to apply for money even sooner with an Early Tax Refund Advance loan1 as well. Both advances are loans that you could get, if approved, based on your expected tax refund. You can apply for the Early Tax Refund Advance loan in December, before you get your tax documents and you’re ready to file, by bringing in your paystub(s). 

Starting December 16, you can apply for an Early Tax Refund Advance loan of up to $1,500 the same day you’re approved on a prepaid card, in plenty of time for the holidays with our Money Today Guarantee.2 Please note that the Early Tax Refund Advance loan does have a Finance Charge, while the No Fee Refund Advance does not. Please see our chart below, outlining what the Finance Charge would be for different Early Tax Refund Advance loan amounts. 

Early Tax Refund Advance loan: Money in time for the holidays 

December 16, 2024 – January 12, 2025 

At Jackson Hewitt, we know you work hard all year to give the best to your family. We want to help you get what you need during the holiday season, and beyond. Find a neighborhood Tax Pro, conveniently located in thousands of Walmart locals and freestanding stores across the country. You never have to tax alone.

Product Disclosures  

Early Tax Refund Advance is available to individuals who apply for a No Fee Tax Refund Advance (NFTRA). NFTRA application requires filing your taxes with Jackson Hewitt beginning January 2, 2025. 

¹ The Early Tax Refund Advance (ETRA) is a loan secured by, and paid back with, your tax refund and is offered by Republic Bank & Trust Company, to eligible taxpayers that apply for a No Fee Tax Refund Advance from 12/12/24 to 1/12/25. ETRA loan amounts are determined by your expected Federal refund, less authorized fees and underwriting. If approved for an ETRA, a Finance Charge will apply. Loan amounts available are $100, $300, $500, $1,000, and $1,500. To be eligible for the $1,500 ETRA, your expected Federal refund, less authorized fees, must be at least $4,600, and most approved applicants get $300. ETRA is subject to underwriting and approval. Loan proceeds are typically available within the same day of approval, if disbursed on a prepaid card offered at Jackson Hewitt offices, or in 1-5 business days with direct deposit. Terms and restrictions apply. Ask a Tax Pro for more info about the cost and timing of all filing and product options. Jackson Hewitt is a Rhode Island Licensed Loan Broker and holds other relevant licenses for the locations where this product is offered. Finance Charges are not applicable in CT and NE. 

²The Money Today Guarantee is only available to clients who (i) are approved for a Tax Refund Advance loan; (ii) elect and are eligible to receive loan funds on a prepaid card offered at Jackson Hewitt offices. Loan application must be submitted by 11pm local time. If funds are not credited to your card before 12am local time, Jackson Hewitt will credit $50 within 2 weeks to your card if available or provide you a $50 eGift card. Fees, terms, and conditions apply to the prepaid card. More details at JacksonHewitt.com.  

³The No Fee Tax Refund Advance (NFTRA) is a loan secured by, and paid back with, your tax refund and is offered by Republic Bank & Trust Company, to eligible taxpayers. NFTRA Loan amounts are determined by your expected Federal refund, less authorized fees and underwriting. Requires filing your taxes with Jackson Hewitt. Available 1/2/25 through 2/16/25. Loan amounts available are $250, $500, $750, $1000, $1,500, $2,500, $3,000, and $3,500. To be eligible for the $3,500 NFRA, your expected Federal refund less authorized fees must be at least $3600, and most approved applicants get $500. No loan fee applies. Loan proceeds available within the same day of approval, if disbursed on a prepaid card offered at Jackson Hewitt offices, or in 1-5 business days with direct deposit. Terms and restrictions apply. Ask a Tax Pro for more info about the cost and timing of all filing and product options.  

About the Author

Mark Steber is Senior Vice President and Chief Tax Information Officer for Jackson Hewitt. With over 30 years of experience, he oversees tax service delivery, quality assurance and tax law adherence. Mark is Jackson Hewitt’s national spokesperson and liaison to the Internal Revenue Service and other government authorities. He is a Certified Public Accountant (CPA), holds registrations in Alabama and Georgia, and is an expert on consumer income taxes including electronic tax and tax data protection.

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