Thursday, February 26, 2015

Get Your Finances Neat and Tidy with a Tax Advance Loan

Get Your Finances Neat and Tidy with a Tax Advance Loan


Tax Advance
A tax advance puts your tax refund in your hands right away
It would be great if we could all spend our tax refunds on fun things like new tablets and trips to Disneyland, but in reality an awful lot of us count on that yearly windfall to get ourselves caught up on bills or to pay for something that would otherwise be ignored. The tricky part kicks in when that “ignored thing” becomes more urgent – maybe the car is making a funny clanking sound every time you start it up, or the water heater only works part of the time, or the nice people at the medical billing office have been phoning on a regular basis to see if you have any money for them this week – before you’re ready to file your tax return, much less expecting the refund to arrive. That’s when a Tax Advance from eTaxLoan is just what you need; it’s an advance loan that’s easy to qualify for and easy to repay, and it’s there when you need it, on your schedule instead of the IRS’s.

A Tax Advance Is More Convenient Than You Might Think


The original tax refund anticipation loans were all processed through tax preparers. That meant a couple of things- one, you had to be ready to file your return in order to get an advance on your refund. Second, the advance was only speeding up our refund by a few weeks. Times have changed! Now, you can get a Tax Advance before you file your return. You’ll want to know if there have been any major changes that would affect the amount of your refund since last year, but if you know it’s going to be about the same amount then you know how much you can request and be sure of comfortably repaying it, either from your actual refund or from paychecks – which will then be reimbursed, in a sense, when the refund arrives.

Another change is that instead of going to a tax preparation office, the application is web-based. This means that not only can you apply at any hour of the day or night that suits you, but you can apply from any place that suits you. Perhaps you have a home office with a computer and that’s where you work on your bills – but maybe you’d rather be on the couch with your tablet or laptop. Maybe that noise your engine was making turned out to be something important after all, and you’re in the waiting room of the mechanic’s shop, looking up financial solutions on your smartphone. No matter where you are, if you can connect to the internet, you can apply for a Tax Advance.

Good Credit Not Required for a Tax Advance


Thinking about a Tax Advance but worried about your credit score? Worry no more, because a credit check isn’t even part of the process! After all, what is a credit score anyway? It’s a numerical representation of your credit history – how much you have, how often you made late payments, and so on. History may be reputed to repeat itself, but the reality is that most people want to make good on their obligations! Almost nobody borrows money and thinks, “I’m just not even going to pay this back!” The reasons that people may miss payments or even default on credit are varied and complex, but one thing is clear – people’s circumstances can change much faster than their credit scores tend to! Someone might have a dreadful credit score because of difficulties they had in the past, but have an excellent income today, and no problem at all paying their bills on time and in full. Isn’t it more fair and reasonable to judge someone’s creditworthiness on their current circumstances, and not based on events from years ago?

Just How Fast and Easy is a Tax Advance?


One of the reasons it’s easier to shuffle items around in your budget and try to make it work “for now” is that applying for a personal loan can be a real hassle. There’s usually an extensive application form, for which you need to look up all your financial details such as the amounts of each debt and typical monthly living expenses like food and utilities. Who wants to go through that when you can just pay part of this bill for this month, and part of this other one, and plan to get caught up later? The good news is that a Tax Advance loan is far simpler and easier to apply for than you’re imagining, and is more than worth the small time investment!

Rather than the extensive and intrusive questionnaire that might accompany a traditional refund anticipation loan, the application for a Tax Advance from eTaxLoan is only a quick handful of questions. The form takes only about three minutes to complete! Once you’ve provided information that qualifies you, and been matched with a lender who can provide the type and amount of funding that you’ve requested, you’re provided with the terms and sign the agreement electronically, without having to print, fax, or mail any documents. You’ll have provided bank information so the lender can deposit the funds directly into your own bank account, and arrangements will specify the pay dates or expected tax refund date that the repayment will be drafted directly from that same account. You can’t forget to make your payment, since it’s automatic, and if you find that you need more time simply contact the lender and for a predetermined fee the terms can be extended. What could be simpler? Start your financial year off right– make a resolution to balance your budget and use all the tools at your disposal, like an easy, quick Tax Advance!

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