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With a Taxpayer Refund Advance Loan1, clients get the money they need fast. This valuable program gives clients the flexibility they need to pay outstanding expenses without having to wait weeks for their refund to be processed–giving you the edge you need to compete in your market.

Our no-cost option1 eliminates marketing fees on your end for in-season advances. Thanks to our loan structure, we’ve raised the bar on approvals, helping you grow your business while expanding your customer base.

Why offer taxpayer advance loans in your office?

  • Stay competitive with tax offices in your market
  • Stay competitive with national chains
  • Give clients who need money now access to a Taxpayer Refund Advance Loan
  • High approval rates with new loan structure

Easy Advance Disbursements

Your client’s choice of fund disbursement!

Direct Deposit

Direct Deposit



Prepaid Card

Prepaid Card

2024-2025 Refund Advance Loan Program

Low marketing fees1 with e-Bonus and e-Collect and no marketing fees in-season with e-Advance program.

Loan Options Loan Amount Taxpayer Cost e-Advancee-Advance e-Collecte-Collect e-Bonuse-Bonus
No Cost Consumer Loan $250, $500 or $1,000 $0 $0 $0-$34.95* $0-$34.95*
25%, 50% or 75% of expected refund $1,250–$7,000 36% APR $0 $0-$34.95* $0-$34.95*

When we say $0 marketing fee, we mean ZERO taken from your fees!

And here’s a handy tool for you to use in your office!

2024-2025 EPS Refund Advance Loan Calculator

Pre-Acknowledgement fee2 applies.

Read more about marketing fees, Pre-Acknowledgment Loans, and In-Season Advances!

Taxpayer Advance Loans Details

  • No-cost loans of $250, $500, and $1000
  • 36% on loans between $1,250 to $7,000
  • No in-season ERO marketing fees4 with e-Advance
  • Only $34.95 in-season ERO marketing fee with e-Collect and e-Bonus
  • No in-season ERO marketing fee if issued on a FasterMoney® Discover® Prepaid Card5
  • Pre-acknowledgement loans2 available Jan. 2
  • 2024-2025 EPS Refund Advance Loan Calculator

At EPS, We Make It Our Business to Help Your Business.

Clark Gill, President

1.The Refund Advance is an optional tax-refund related loan provided by Pathward®, N.A., Member FDIC (it is not the actual tax refund) at participating locations. Program availability and loan amounts may vary based on state and software provider. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan. Loans offered in amounts of $250 (where available), $500, or $1,000, 25%, 50%, or 75% of your expected tax refund from $250 – $7,000. When calculating the amount of your loan, the amount of your “expected” tax refund may be affected by any refundable tax credits. Loans in the amounts of $250, $500, and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans in the amounts of 25%, 50% or 75% of your expected tax refund have an APR of 36.0% with a minimum loan of $1,250. For example, $2,500 loan representing 50% of expected refund borrowed over 29 day term, total amount payable in a single payment is $2,571.51 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.

2. Pre-Acknowledgement Loans (approved prior to IRS Acknowledgement) have a $75 Marketing Fee.

3. Office loan availability dependent on ERO application approval and eligibility criteria. Terms and conditions apply.

4. $0 Marketing Fees require e-Advance program or use of the FasterMoney® Prepaid Card for disbursement. Additional marketing fee applies for every approved advance with e-Collect and e-Bonus programs or loans without a refund transfer. Availability and fees may vary by software.

5. The FasterMoney® Discover® Prepaid Card is issued by Pathward®, N.A., Member FDIC, under a license from Discover Financial Services. Discover and the Discover acceptance mark are service marks used by Pathward, N.A., Member FDIC, under license from Discover Financial Services.

*A marketing fee of $34.95 applies for every approved In-Season advance with e-Collect and e-Bonus programs or loans without a refund transfer. $0 marketing fees require e-Advance program or use of the FasterMoney® Discover® Prepaid Card for disbursement with e-Collect and e-Bonus.