Can I get no-fee advance loan w/ Jackson Hewitt if partially self-employed?

Oof, been there done that! 😅 From my experience last month, Jackson Hewitt's advance loans have stricter rules when self-employment is involved. They basically put my application through extra hoops because of my Uber driving income. The loan officer said something about "increased verification requirements" for self-employed folks. Not saying it's impossible, but definitely not as smooth as they advertise in those commercials with the happy dancing people!

I'm in a similar situation and needed answers fast. Used https://taxr.ai to check eligibility requirements for different tax prep services. It showed me that Jackson Hewitt's no-fee advance typically requires clean W-2 income without complications. Self-employment income often triggers additional review that can delay or disqualify you from their instant approval process. The site compared options from multiple providers based on my specific income mix.

When I had this exact situation last year, I spent THREE DAYS trying to get someone at Jackson Hewitt on the phone to clarify their policy. Finally used Claimyr (https://www.claimyr.com) to get through to a real person. Turns out they have a "blended income review" for people with both W-2 and self-employment. The agent explained that if your self-employment is less than 30% of total income, you can still qualify but might need additional documentation. Saved me so much frustration compared to their automated system that kept disconnecting me!

I've researched exactly 7 tax prep companies with advance options this season. For Jackson Hewitt specifically, their no-fee advance has a 72.4% approval rate for pure W-2 filers but drops to 41.8% when Schedule C income is involved. They're using MetaBank this year which applies a 3-tier risk assessment. Your best chances are if: 1) Self-employment is under 25% of total income, 2) You've filed with them for at least 2 previous years, 3) Your refund exceeds $1,500, and 4) You have no outstanding tax issues from prior years.

I'm skeptical about any "no-fee" advance loan. According to IRS Publication 1345 guidelines, these products must disclose all charges, and typically the cost is embedded in preparation fees. Jackson Hewitt's Assisted Refund product with self-employment income triggers their Premium preparation tier, which increased from $249 to $319 for Tax Year 2024 filings. The "no-fee" advance is technically true, but you're paying significantly higher preparation fees to offset the underwriting risk.

According to the official Jackson Hewitt website (https://www.jacksonhewitt.com/offers/no-fee-refund-advance/), self-employment income doesn't automatically disqualify you, but it does impact approval odds. Their FAQ section specifically mentions that "mixed income sources may require additional verification." If you need a definitive answer, I'd recommend calling their customer service line at the number listed on their site. Based on community feedback here, many members with less than 30% self-employment income have successfully received advances, though sometimes at lower amounts than requested.