1 – Fees based on the average $2700 refund anticipation loan (RAL) from Santa Barbara Bank & Trust, a division of Pacific Capital Bank, N.A. (lending bank). Fees are based on direct deposit of funds to a bank account or debit card. Lower savings may be available with a Instant Refund Anticipation Loan (IRAL). RALs are repayable on demand or when the anticipated tax refund is deposited at the lending bank, whichever occurs first (approximately 11 days from the date of the loan). RALS and IRALs are subject to credit approval. Account fee, finance charge and instant surcharge are charged by the lending bank. Clients may not qualify for an IRAL but may qualify for a RAL as soon as one day later. Amount received may be reduced by debt owed for a prior RAL or fees owed to tax preparer or affiliates. Those who e-file with direct deposit typically receive funds in 8-15 days.
2 - Fees are based on a $2700 loan. The finance charge will change based on refund amount. Example: A RAL of $2700 has an APR of 35.89%. An IRAL of $2700 has an APR of 134.66% for the $1000 instant amount and an APR of 35.89% for the $1700 RAL balance amount.
3 - Total does not include tax preparation fees.
4 - “Fast Money Options” is a registered trademark of HRB Innovations, Inc., used under license agreement.