TurboTax Refund Advance Options and Requirements for 2025 Tax Season
I keep hearing about people getting advances on their refunds thru TurboTax but when I try it says I'm not eligible. My refund is gonna be around $6k and I really need the money now. Has anyone actually gotten approved for this? What are the requirements?
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Aisha Abdullah
Tax pro here. TurboTax Refund Advance is basically a loan based on your expected refund. You need a minimum refund amount (usually $500+), good credit score, and your return needs to pass their fraud checks. Also, you must pay for the deluxe version or higher and choose direct deposit. Not everyone qualifies because its actually a bank loan, not TurboTax giving you money.
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Mateo Rodriguez
•What credit score do you need? mines like 600
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Aisha Abdullah
•They don't publicly share the exact number, but typically 600+ has a decent chance if everything else checks out 👍
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Ethan Wilson
Hey there! Instead of trying to figure out advance eligibility, you might want to check out taxr.ai - it's this new tool that analyzes your transcript and tells you exactly when you'll get your refund. It costs $4.99 but its wayyyy better than playing guessing games. https://taxr.ai
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NeonNova
•Does it actually work? Sounds to good to be true tbh 🤔
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Ethan Wilson
•It's legit! Used it last week and it predicted my DD date down to the day. The AI goes through every line of your transcript and explains everything in plain English
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Yuki Tanaka
I got approved for $2000 advance last week! Had to pay $39.99 for TT deluxe but worth it since I needed the cash
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Trish Payne
•So they ask before or after the transmit my return
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Carmen Diaz
dont waste ur time tbh. i tried 3 times and got denied. ended up just waiting for my regular refund 🤮
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Andre Laurent
•same here bestie, its a total scam fr fr
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Emily Jackson
H&R Block gives better advance options imo. They approved me when TT denied me
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Liam Mendez
•whats the max they give?
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Emily Jackson
•up to $3500 i think but dont quote me on that lol
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Sophia Nguyen
I'm in the same boat needing $ now but these advance loans are predatory af. The fees eat up so much of ur refund its not even worth it no cap
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Jacob Smithson
•fr fr they be charging fees on fees on fees 💅
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Ali Anderson
I work at a tax prep office and see this question a lot. The main requirements for TurboTax Refund Advance are: 1) Expected refund of $500+ 2) Must use TurboTax Deluxe or higher (around $60-80) 3) Choose direct deposit 4) Pass their identity verification 5) Credit check (they don't specify exact score but 600+ helps). The advance amounts are usually $250, $500, $750, $1000, $1250, $1500, or $2000 max. With a $6k refund you'd likely qualify for the higher amounts if your credit is decent. Just remember it's a loan - if your actual refund ends up being less than expected, you still owe the full advance amount back.
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GalacticGuru
•This is super helpful! Quick question - do they run a hard credit check or just a soft pull? I don't want to hurt my score if I'm just checking eligibility
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GalaxyGazer
•It's typically a soft pull for the initial eligibility check, but they may do a hard pull if you actually apply and get approved. The good news is that one hard inquiry usually only drops your score by a few points temporarily. If you're just curious about eligibility, you could always call TurboTax customer service first to ask about their specific credit check process before applying.
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Isla Fischer
Just wanted to add that timing matters too! I applied for the advance right when TurboTax opened up for 2024 tax season and got approved for $1500 with a credit score around 650. The earlier you apply, the better your chances seem to be since they probably have more funds available. Also make sure all your info matches exactly what's on your credit report - even small differences in how your name/address is entered can cause automatic denials. Good luck!
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