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Apply for Early Access: a smart alternative to payday loans

Need your paycheck before payday?

Get advances up to $400 before payday from a line of credit, all year round.

Unexpected expenses?

Early Access is a smart alternative to payday loans. With Early Access, you can get up to $400 before payday, all year round. We’re here for you. Come in to Jackson Hewitt® and apply!

  • No interest
  • No fees per advance 
  • No minimum credit score required
  • No late fees
  • Plus, can help build your credit history1

All for $20 a month. 

- $5 per month for the Early Access Card from American Express
- $15 per month for a line of credit up to $400 from Republic Bank

Footnotes

Why pay up to 3 times more?

You deserve better options.

Early Access - available 
only at Jackson Hewitt
Average of Top 4 National Payday Lenders
*Note: Flat $20 monthly Early Access fee vs. fees and interest for payday loans from top four payday lenders per their websites on 10/17/18. Average rates based on a 14 day loan term across states where comparable loans were offered. Top four payday lenders as listed on Consumer Affairs list published on 7/24/18.

Start now. It’s simple and easy.

1
Apply
Find an office near you and apply in person.
Find an Office
1
Activate
Once approved, receive your Early Access Card and set up direct deposit to activate your Line of Credit
1
Use
After your successful direct deposit to your Early Access account (required), you can access up to $400 before payday, all year

Access funds for any emergency

You can't plan for life's surprises, but you can get Early Access. Get up to $400 before payday, all year round.

PLUS, get all the benefits of the Early Access Card

  • Make purchases in-store and online
  • Over 24,000 No Fee ATMs in network2
  • Get your IRS refund up to 2 DAYS FASTER than standard Direct Deposit3
  • Serve Money Transfer Powered by Ria®4

Footnotes

FAQs

Got a question?

What size advance can I get?

You can request an advance up to your credit limit (maximum $400). Your credit limit will be $200 - $400 and based on your financial situation and underwriting.

How do I repay an advance?

After you take an advance, your next direct deposit to your bank account at Republic Bank can automatically repay your outstanding balance. At a minimum, your outstanding balance must be paid off monthly. To learn how to pay by other means, log in at www.jacksonhewitt.com/MyJH.

What are the fees?

The Card has a $5 monthly fee and the Line of Credit has a $15 monthly fee for a total of $20/month. The Line of Credit fee is charged monthly after you have requested your first advance, and the Card fee is charged upon first deposit. Other fees may apply related to the usage of the prepaid card; please consult your Cardholder Agreement.

How do I activate my Line of Credit?

In order to activate your Line of Credit, you will need to set up direct deposit to your Early Access account.  Monthly direct deposits from your employer or government benefits provider of at least your credit limit plus $100 are required to activate and maintain access to your Early Access account.

How do I set up direct deposit?

Get your routing and account number from the form you received at the Jackson Hewitt office, or find it online on MyJH. Visit jacksonhewitt.com/MyJH to create and access your MyJH account. Provide the routing and account number to your employer or government benefits provider and direct your funds to this account. Monthly direct deposits from your employer or government benefits provider of at least your credit limit + $100 are required to activate and maintain access to your Early Access account.

How do I request an advance?

Once your Line of Credit is active, go onto MyJH and enter the amount you want to borrow, up to your credit limit. The funds will be available on your Card within 24 hours. Your line of credit is active after we receive your required initial direct deposit.

Why Jackson Hewitt®?

WE’LL MAKE IT EASY

We do the work so you don't have to worry. Open late and weekends, no appointment necessary.

WE’LL FIGHT FOR YOU

We're not tax machines. We're Tax Pros who are happy to answer all of your questions.

WE KNOW OUR STUFF

We'll dig deep to get you 100% Accuracy. Maximum Refund Guaranteed.