What Is a Tax Advance Loan and How Can It Help You Get Ahead This Year?

If you're starting the year with leftover holiday expenses, unpaid bills, or a tight budget, you're not alone. Many families across South Carolina and Georgia feel financial pressure in January, often just as they begin preparing their taxes.

The good news? You don’t have to wait for the IRS to send your refund weeks or even months from now.

At Sunset Finance and Flight Finance, you may qualify for a Tax Advance Loan when you file your taxes with us. This allows you to access a portion of your expected refund early, helping you cover important expenses, avoid late fees, and reduce financial stress.

In this article, we’ll explain:

• What a Tax Advance Loan is
• How it works
• Who it’s for
• How to apply (online or in person)

What Is a Tax Advance Loan?

A Tax Advance Loan is a short-term loan based on your expected tax refund. It provides early access to a portion of your refund before the IRS issues payments.

When you file your return with Sunset Finance or Flight Finance, either in person or through our Taxes To Go mobile app, you can apply for a refund advance. If approved, you'll receive funds shortly after filing, often within 24 to 48 hours.

This can be an ideal solution if you need to:

• Pay essential bills now
• Cover unexpected expenses
• Avoid high-balance credit cards
• Catch up after the holiday season
  
  
  

How Does a Tax Advance Loan Work?

Here’s how the process works:

1. File Your Taxes with Us
   Visit one of our offices in South Carolina or Georgia, or file remotely using the Free Taxes To Go app.
   
   
2. Apply for a Refund Advance
   During your tax appointment, your preparer will let you know if you qualify for a Tax Advance Loan. Approval is based on your expected refund, not your credit score.
   
   
3. Receive Your Advance
   If approved, you’ll receive your funds by direct deposit, check, or prepaid card, depending on the program and your preference.
   
   
4. Get the Remainder of Your Refund Later
   When the IRS sends your full refund, the advance amount and any tax preparation fees are deducted, and you receive the remaining balance.

How Much Money Can You Get With a Tax Advance Loan?

Advance loan amounts typically range from $500 to $7,000, depending on your expected tax refund. The exact amount depends on your filing status, income, and other factors determined during tax preparation.

These loans are not based on your credit score, making them more accessible than traditional bank loans or credit cards.

How Can a Tax Advance Loan Help You Get Ahead?

Many people rely on their tax refund to catch up financially, but IRS processing delays can make it difficult to wait.

Here’s how a refund advance can help:

• Pay your rent, mortgage, or utilities on time
• Avoid overdraft or late payment fees
• Reduce credit card balances from holiday spending
• Catch up on car payments or insurance premiums
• Purchase essentials like groceries or school supplies

By accessing funds now, you can manage your finances more effectively, reduce stress, and avoid making decisions that lead to long-term debt.

Is There a Cost?

When you file your taxes with Sunset Finance or Flight Finance, there is no out-of-pocket cost to apply for a refund advance. The loan is repaid directly from your refund when it arrives.

All fees are disclosed clearly during your appointment. There are no hidden fees or surprise charges.

Is the Process Safe?

Yes. Whether you file in person or using the Taxes To Go app, your personal information is protected by secure technology and encrypted systems.

We follow strict data privacy and security protocols to protect your identity and your financial records. Your information is never sold or shared with third parties.

Why Use a Tax Advance Loan Instead of Waiting?

Waiting for the IRS to issue your refund could take several weeks. In the meantime, bills and everyday expenses don’t stop.

Choosing a Tax Advance Loan allows you to:

• File taxes early
• Access your money faster
• Avoid borrowing from high-interest lenders or using credit cards
• Reduce financial pressure while you wait on your full refund

This is especially helpful for individuals and families in South Carolina and Georgia who need funds for rent, utilities, child care, or transportation.

How to Get Started

You can apply in just a few steps:

1. Download the Taxes To Go App on your smartphone or tablet
   
   
2. Take pictures of your W-2, ID, and Social Security card
   
   
3. Upload your documents and connect with your local tax preparer
   
   
4. File your taxes and request a Tax Advance Loan
   
   
5. Receive your money, often within 24 to 48 hours
   
   

The earlier you file, the faster you can get your advance.

Frequently Asked Questions For Filing Taxes

*subject to our most liberal credit policies and IRS acceptance of your return.