How can you offer this at no extra cost?
It’s true—you don't have to pay any fees for a Refund Advance loan. If you are eligible for a Refund Advance loan, it is available to you at no extra cost. We’ve worked closely with Republic Bank to make this offer to you. This is just another benefit of filing with TaxAct!
How do I know if I’m eligible for Refund Advance?
Here are some of the eligibility requirements to qualify for a Refund Advance loan:
How do I apply?
You’ll have the opportunity to apply for a Refund Advance loan at the time you choose your refund disbursement method.
How will I know if I’m approved?
Once you are approved, you will receive an email from do_not_reply@republicrefund.com. If you opted in to texts, you may also receive an SMS from short code 82570.
What happens after I’m approved for Refund Advance loan?
The Refund Advance loan amount that you qualified for will be deposited into your chosen bank account. The remaining amount of your federal refund (which is your original federal refund amount minus the Refund Advance loan amount and TaxAct software fees (if any) and/or state refund, if applicable), will be deposited into your bank account when the IRS or state tax authorities (if applicable) processes and distribute your refund (typically within 21 days from IRS acceptance).
How do I access my Refund Advance loan?
After you’ve been approved for a Refund Advance loan, you will receive an email from Republic Bank confirming your loan amount. Your Refund Advance will then be deposited into your chosen bank account as early as 24 hours or up to 5 days.
What if I’m not approved?
You’ll receive an Adverse Action Notice from Republic Bank via email.
What happens with the rest of my refund after I get my Refund Advance loan?
The remaining amount of your federal refund (which is your original federal refund amount minus the loan amount and TaxAct software fees (if any) and/or state refund, if applicable), will be deposited into your bank account when the IRS or state tax authorities (if applicable) processes and distributes your refund.
How is the loan paid back?
When the IRS processes your federal refund, your Refund Advance loan is automatically paid back. If you have a state refund, and it is received first, those funds will pay back your Refund Advance. If your tax refund amounts are insufficient to pay what you owe on your loan, you may be contacted to remind you of the remaining balance and to provide payment instructions to you. If your loan is not paid in full, you will not be eligible to receive a Refund Advance loan in the future.
How is my Refund Advance loan amount determined?
Your approved amount is based on the anticipated federal refund, your tax information, and Republic Bank’s underwriting guidelines. Refund Advance is available in amounts of $250, $500, $750, $1,000.
Who’s the lender?
The lender is Republic Bank & Trust Company (RBT). With your consent, we'll share your tax return information with them via SSL-encrypted transmission.
What if I don’t qualify for Refund Advance loan?
If you don’t qualify after filing your return, you'll still receive your refund in your bank account. Your entire federal and state refunds (minus any TaxAct fees (if applicable)) will be deposited into the account as soon as the IRS or state tax authorities distribute your refund (typically within 21 days from IRS acceptance).
Will applying for Refund Advance loan affect my credit score?
No. Applying for Refund Advance will not affect your credit score.
What if I have questions about my loan amount or decision?
You can call Republic Bank Support at 866-581-1040. Their IVR will advise you about loan decision, amount, and disbursement method/date. If you have additional questions, you can select the option to speak with an agent. You can also see basic disbursement information on?republictaxpayer.com.?Their support hours are:
Note: A Refund Advance (RA) loan through TaxAct.com is a loan secured by and paid back with your tax refund and is offered by Republic Bank & Trust Company, to eligible taxpayers. Loan amount ($250, $500, $750, or $1,000) is determined by your expected Federal refund less authorized fees and underwriting. Minimum anticipated net federal refund of $500 after all applicable TaxAct fees and taxes required to apply. No loan fees apply; 0% Annual Percentage Rate (APR). No credit impact. If approved, RA proceeds are typically available within 24 hours of IRS acceptance of tax return; it may take additional time for your financial institution to post the funds to your account. Available through Feb. 28, 2026 with any TaxAct fee-based 2025 online tax preparation products when you choose to receive a refund via direct deposit, subject to change or discontinuation without notice. If approved, the amount of the loan will be deducted from your tax refund for repayment. Tax returns may be e-filed without applying for this loan. Offer void where prohibited. Additional restrictions may apply.