Access funds sooner while your tax return is being processed — with transparency, eligibility review, and clear expectations.
What Is a Refund Advance Loan?
A Refund Advance Loan allows eligible taxpayers to receive a portion of their expected tax refund sooner, through a participating bank partner, while the IRS processes their return.
This is not a payday loan and not guaranteed.
How Much Can I Receive?
Up to $1,000 may be available free of charge with approval
Additional amounts may be available at a percentage-based rate
Final amounts are determined by the bank, not the tax preparer
Eligibility Requirements
Must file a complete and accurate tax return through 1440 Carpe Diem Services
Refund amount must meet bank minimum thresholds
Identity verification required
Approval is subject to bank underwriting
Important: Not everyone qualifies. Approval is not guaranteed, and eligibility varies by taxpayer and tax year.
How Repayment Works
If approved, the advance is repaid automatically from your tax refund once it is issued by the IRS. You do not make monthly payments.
What a Refund Advance Is NOT
❌ Not guaranteed income
❌ Not a substitute for proper tax planning
❌ Not available on all returns
Our Commitment
At 1440 Carpe Diem Services, we believe in transparency and responsible financial decisions. Refund advance options are presented clearly, ethically, and only when appropriate.