Waiting Is Overrated

Waiting Is Overrated

Refund Advance.

Your Money, Faster.

Refund Advance.

Your Money, Faster.

You've worked hard all year. Why wait weeks for the IRS to send your refund? With our refund advance options, you can get cash in within 24 hours.

You've worked hard all year. Why wait weeks for the IRS to send your refund? With our refund advance options, you can get cash in within 24 hours.

Quality. Accuracy.

Integrity.

Growth.

Get A Refund Advance Loan of Up-to $7,000.

Get A Refund Advance Loan of Up-to $7,000.

Immediate Funding: Receive your refund advance within 24 hours of filing, eliminating the typical 21-day IRS processing wait.

Credit-Friendly: Our refund-advance loans do not impact your credit score, providing a safe financial solution.

High Approval Rates: Qualify for a refund advance on the same day you file your taxes with our streamlined process.

Interest-FREE Advance — Up to $1,250

  • $0 interest. Zero. Zilch.

  • No fees whatsoever

  • No credit check / no impact to your score

  • Loan amounts $250, $500, or $1,000

Interest-Bearing Advance — Up to $7,000

  • Borrow $1,250 to $7,000 against your expected refund

  • Competitive rates

  • Fast approval

  • Auto-repaid when your refund hits

36% Annual Percentage Rate (APR) with a quick approval process. Terms and conditions apply. Approval subject to individual financial review.

How It Works

Step 1

When you file your taxes with a QTS Tax Pro in person or virtually, just let them know that you would like to get a refund advance loan.

Step 2

When approved you will be sent a text message and email with your approval. You will receive your Refund Advance funds in your bank account or via check from our office the same day or within 24 hours

Step 3

Repay the loan with your refund when it arrives. We make this super easy, on the application you will approve the refund advance loan to be repaid from your refund automatically.

Ready to get started?

Got Questions? We've Got The Answer!

Refund Advance FAQ's

What Is a QTS Refund Advance?

A QTS Refund Advance is a loan that is automatically repaid when you receive tax refund.QTS Refund Advance loans are issued by Pathward®, N.A., Member FDIC; it is not your tax refund.

When Are Refund Advances Available from QTS?

You can apply for a Refund Advance loan when filing your taxes with QTS between Jan. 2 and Feb. 29 every year.

How Much Does A Refund Advance Loan Cost?

We offer Refund Advance loans the same day, up to $7,000. Our loan options vary:

No Interest, No Charge Refund Advance - If approved, these loans are issued in 3 amounts: $250, $500, or $1,000.
Interest-Bearing Refund Advance - If approved for an advance of $1,250 up-to $7,000, the loan will carry a 36% APR

The amount of interest that you pay will depend on how many days it takes to repay the advance from your tax refund.

Repayment Fee Examples:
If your refund is deposited within 14 days of receiving your advance, your cost per every $1,000 borrowed would be $13.81.If your refund is deposited within 21 days of receiving your advance, your cost per every $1,000 borrowed would be $20.71.Max Interest Charges: You can only accrue Interest charges for a maximum of 60 days. The max cost per every $1,000 borrowed would be $59.18.

How Are Refund Advances Approved?

E-file your tax return with us. If you are expecting a refund from the IRS, a QTS Tax Pro will give you the option to submit an application to our bank provider, Pathward®, N.A., the lender. The bank will evaluate your application against standard underwriting criteria and make a decision to approve or deny your application.

Will A Refund Advance Impact My Credit Score?

No. The bank Pathward®, N.A. may review your credit report as part of your application, but the review will not impact your credit score.

How Quickly Can I Get A Refund Advance?

In most cases, QTS Refund Advance Loans are issued the same day you e-file your taxes and apply for the Refund Advance loan. In some cases you may have to wait up-to 48 hours.

How Do I Receive My Refund Advance?

Your Refund Advance can be sent directly to your bank account, or a QTS Tax Pro can provide you with a check.

How Is The Refund Advance Paid Back To The Bank?

The Refund Advance loan will be repaid from your directly from your tax refund, along with any tax preparation fees and other amounts you authorize. The remaining funds will be delivered via the disbursement method chosen during tax preparation, card or check.

LET'S CONNECT.

Office: (844) 486-9787
Email: [email protected]

Philadelphia Office
5627 Chester Ave | Commercial 1
Philadelphia, PA 19143

Raleigh Office
8601 Six Forks Rd | Suite 400
Raleigh, NC 27615

© Copyright 2026. Quality Tax Service. All Rights Reserved.

© Quality Tax Service. 2026. All Rights Reserved.