Our Early Tax Refund Advance loan of up to $1,500 is almost here

Jackson Hewitt offers both an Early Tax Refund Advance loan starting in December and a Tax Refund Advance loan starting in January, which could provide you cash in case of an emergency.

The Early Tax Refund Advance loan is available at select locations from December 10, 2026, until January 31, 2027 – just in time for holiday shopping.

The Early Tax Refund Advance is available at select locations from December 10, 2026, until January 31, 2027.

The Early Tax Refund Advance and Tax Refund Advance loan options are available at most participating Jackson Hewitt storefronts and all participating Walmart locations.

If you’re worried about your credit and need money for Christmas expenses, an Early Tax Refund Advance loan may be a good option. Applying will not impact your credit score, and you may be approved even if you have no credit history or have been denied credit in the past. Loan approval is subject to First Century Bank, N.A.’s underwriting criteria and is based in part on the size of your expected Federal tax refund.

The Early Tax Refund Advance (ETRA) is a convenient way for you to apply for a loan for the holiday season which is paid back by your tax refund. An Early Tax Refund Advance loan has a 35.99% Annual Percentage Rate (APR).

It depends on the amount of the Tax Refund Advance loan you get and how long it takes to pay it back.

The Early Tax Refund Advance loan has a 35.99% Annual Percentage Rate (APR). The estimated finance charge assumes the loan is repaid in 66 days, which is the average number of days that interest accrues on ETRA loans. Because of the possibility of delays in your receipt of your tax refund, this period may be longer, and more interest may accrue before your ETRA loan is repaid. However, in no event will interest accrue after 120 days.

Outlined below are representative examples of available credit terms for the Early Tax Refund Advance loan.

*Paid from your tax refund(s) when received by First Century Bank, N.A.

The amount of the loan and any finance charge is deducted from your tax refund, reducing the amount paid to you.

For the 2026 tax year:

• Early Tax Refund Advance loan sizes are $300, $500, $1,000, and $1,500 for qualifying clients.

For an Early Tax Refund Advance starting in December, bring your most recent paystub(s) and a government-issued photo ID to a participating location. Your Tax Pro will prepare your tax return and your loan application which will be sent to First Century Bank, N.A.

For a Tax Refund Advance starting in January, bring your W-2(s), a government-issued photo ID, and all other necessary tax documents to complete your tax return. Your Tax Pro will prepare your tax return and your loan application which will be sent to First Century Bank, N.A.

If you’re approved for a loan, you’ll get money in minutes on a prepaid card.

Yes. You can apply for an Early Tax Refund Advance between December 10, 2026 and January 31, 2027 at select Jackson Hewitt locations. We’ll need your most recent paystub(s) and a government-issued ID to estimate your tax refund and submit your application. Any additional tax documents and proof of other income you can bring will help more accurately estimate your tax refund.

No. There is no impact on your credit score if you apply for a Tax Refund Advance loan.

You could be approved for a Tax Refund Advance loan even if you do not have a credit history or if you have been denied credit from other institutions in the past. Loan approval is subject to the underwriting criteria of First Century Bank, N.A., which is based in part on the size of your tax refund.

Yes! Early Tax Refund Advance loans are based on your estimated tax refund size. We’ll only need your most recent pay stub(s) and government-issued ID, to determine the estimate and submit your application. Any additional tax documents and proof of other income you can bring will help us more accurately estimate your refund.

You will receive an email and/or text, depending on your communication preference, usually about 15 minutes after the application is sent to First Century Bank, N.A.

You may be able to get a same-day Tax Refund Advance loan with no impact on your credit. If approved and you choose a Jackson Hewitt prepaid card, you can receive your loan the same day with our Money Today Guarantee, often within minutes of approval. First Century Bank, N.A. may review your credit using a soft credit inquiry that does not affect your credit score. Approval is subject to the lender’s underwriting criteria, including the size of your expected Federal tax refund.

First Century Bank, N.A., a nationally chartered bank, is the bank that offers Tax Refund Advance loans to Jackson Hewitt customers.

Loans are disbursed via direct deposit to a bank account of your choice, or via a Jackson Hewitt-provided prepaid card.

If you are approved for one of our Tax Refund Advance loans and choose to have it disbursed via a Jackson Hewitt provided prepaid card, you will receive the loan the same day with our Money Today Guarantee – and probably within minutes of being approved. Or, if you choose direct deposit, you will receive the loan amount within one to five business days.

The loan amount you owe, including any finance charges, is deducted directly from your tax refund(s) with the remaining amount paid to you.