The holidays are over (even Valentine's Day is done), but for many families in South Carolina and Georgia, the financial impact lingers. Credit card balances are higher, bills are stacked up, and your monthly expenses don’t wait for your tax refund to arrive.
If you’re counting on your tax refund to help you recover but can’t afford to wait weeks (or months) for the IRS, you’re not alone, and you’re not out of options.
A Tax Advance Loan can provide access to part of your refund before it arrives, helping you regain stability and move forward with less stress.
Even people who budget carefully can feel squeezed after the holiday season ends. Common post‑holiday challenges include:
And while tax season may be here, IRS refunds often take weeks to be issued, especially during peak filing periods.
For many households, waiting simply isn’t realistic.
If you want your refund quickly, timing and preparation matter.
Here’s what helps most:
Even with these steps, refunds often don’t arrive until late February or March.
That’s where a Tax Advance Loan from Sunset Finance comes in.
A Tax Advance Loan allows you to access a portion of your expected tax refund before the IRS sends it.
When you file your taxes with your local Sunset Finance or Flight Finance location, either in person or using the Taxes To Go mobile app, you may qualify for a refund advance based on your expected refund amount.
If approved, funds are typically available within 24 to 48 hours.
This isn’t extra money or a payday loan; it’s early access to money you’re already expecting.
A tax advance loan isn’t about splurging; it’s about stability and relief during a financially tight season.
Here are some of the most common and responsible ways people use it:
Late rent, utilities, insurance premiums, or car payments can quickly lead to fees, shutoffs, or credit damage.
Using a refund advance to get current:
For many families, this alone provides immediate peace of mind.
Holiday spending often lands on credit cards, racking up your monthly payment. Carrying those balances into the new year can make it hard to get ahead.
Using part of a tax advance to pay down high balances can:
Even paying off one card can make a noticeable difference.
One unexpected expense, like a car repair or medical visit, can derail an already tight budget.
Setting aside even $300 to $500 from a refund advance can:
You don’t need a large savings account right away, starting small still matters.
Waiting for the IRS can mean weeks of stress, juggling bills, or relying on costly alternatives.
A Tax Advance Loan can help you:
It’s a short‑term solution designed to help during a very real financial gap.
Yes. When you file with a local Sunset Finance or Flight Finance branch, everything is explained clearly before you move forward.
Important things to know:
You can also file remotely using the Taxes To Go app, which allows you to upload documents securely and work with a local tax professional without visiting an office.
Sunset Finance and Flight Finance provide tax preparation and refund advance services across many communities in South Carolina and Georgia.
Whether you file in person at one of our locations or from home on our free Taxes-To-Go app, you’re working with a local team that understands your situation, not a national call center.
Needing help after the holidays doesn’t mean you’ve failed. It means you’re navigating a common financial pressure point and looking for a responsible way forward.
A Tax Advance Loan can help bridge the gap, reduce stress, and give you space to breathe while your refund is on the way.
Getting ahead starts with taking the first step and you don’t have to do it alone.
The earlier you file, the faster you can get your tax advance.
*subject to our most liberal credit policies and IRS acceptance of your return.