Loan details and disclosures for the TurboTax Refund Advance program: If you
expect to receive a federal refund of $500 or more, you could be eligible for a TurboTax Refund
Advance loan. TurboTax Refund Advance loans are issued by WebBank, which is not affiliated with
MVB Bank, Inc., Member FDIC. TurboTax Refund Advance is a loan based upon your anticipated refund
and is not the refund itself. 0% APR and $0 loan fees. Availability of the TurboTax Refund Advance
is subject to satisfaction of identity verification, certain security requirements, eligibility
criteria, and underwriting standards. This TurboTax Refund Advance offer expires on April 15,
2026, or the date that available funds have been exhausted, whichever comes first. Offer, eligibility,
and availability subject to change without further notice.
TurboTax Refund Advance loans issued by WebBank are facilitated by Intuit Financing Inc.
(NMLS # 1136148), a subsidiary of Intuit Inc. Although there are no loan fees associated
with the TurboTax Refund Advance loan, separate fees may apply if you choose to pay for
TurboTax with your federal refund. Paying with your federal refund is not required for
the TurboTax Refund Advance loan. Additional fees may apply for other products and
services that you choose.
You will not be eligible for the loan if: (1) your physical address is not included on
your federal tax return, (2) your physical address is located outside of the United
States or a US territory, is a PO box or is a prison address, (3) your physical address
is in one of the following states: IL, CT, or NC, (4) you are less than 18 years old,
(5) the tax return filed is on behalf of a deceased person, (6) you are filing certain
IRS Forms (1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862), (7) your
expected refund amount is less than $500, or (8) you did not receive Forms W-2 or 1099-R
or you are not reporting income on Sched C. Additional requirements: You must (a) e-file
your federal tax return with TurboTax and (b) currently have or open a Credit Karma
Money™ Spend (checking) account with MVB Bank, Inc., Member FDIC. Maximum balance
and transfer limits apply. Opening a Credit Karma Money™ Spend (checking) account
is subject to eligibility. Please see Credit Karma Money Spend Account Terms and
Disclosures for details.
Not all consumers will qualify for a loan or for the maximum loan amount. If approved,
your loan will be for one of ten amounts: $250, $500, $750, $1,000, $1,500, $2,000,
$2,500, $3,000, $3,500, or $4,000. Your loan amount will be based on your anticipated
federal refund to a maximum of 50% of that refund amount. Those filing with TurboTax
Expert Full Service may be eligible for a loan, issued by WebBank, in an amount that is
based on the full amount of their anticipated federal refund with a maximum loan amount
of $10,000, and such loans are available in amounts that are multiples of $250. Full
Refund Amount calculation based upon the estimated amount of your refund less any fees
associated with additional refund products. You will not receive a final decision of
whether you are approved for the loan until after the IRS accepts your e-filed federal
tax return. Loan repayment is deducted from your federal tax refund and reduces the
subsequent refund amount paid directly to you.
If approved, your TurboTax Refund Advance will be deposited into your Credit Karma
Money™ Spend (checking) account typically within 15 minutes after the IRS accepts
your e-filed federal tax return and you may access your funds online through a virtual
card. Your physical Credit Karma Visa® Debit Card* should arrive in 7 - 14 days.
*Card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc.;
Visa terms and conditions apply. Other fees may apply. For more information, please
visit:
https://support.creditkarma.com/s/article/Are-there-fees-with-a-Credit-Karma-Money-Spend-account.
If you are approved for a loan, your tax refund after deducting the amount of your loan
and agreed-upon fees (if applicable) will be placed in your Credit Karma Money™
Spend (checking) account. Tax refund funds are disbursed by the IRS typically within 21
days of e-file acceptance. If you apply for a loan and are not approved after the IRS
accepts your e-filed federal tax return, your tax refund minus any agreed-upon fees (if
applicable) will be placed in your Credit Karma Money™ Spend (checking) account.
If your tax refund amounts are insufficient to pay what you owe on your loan, you will
not be required to repay any remaining balance. However, you may be contacted to remind
you of the remaining balance and provide payment instructions to you if you choose to
repay that balance. If your loan is not paid in full, you will not be eligible to
receive a TurboTax Refund Advance loan in the future.
Loan details and disclosures for the File Now, Pay Later program: If your expected
federal tax balance owed is between $200 and $6,000, you could be eligible for a File Now, Pay
Later loan. File Now, Pay Later loans are issued by WebBank, not affiliated with Cross River
Bank, Member FDIC. File Now, Pay Later is a loan based upon your federal tax balance due and
can only be used to make your federal tax payment directly to the IRS. You must be eligible
to receive a loan in the amount of your full federal tax balance due in order to be approved.
Availability of the File Now, Pay Later is subject to credit approval, satisfaction of identity
verification, certain security requirements, eligibility criteria, and underwriting standards.
This File Now, Pay Later offer expires on October 16, 2026, or the date that available funds
have been exhausted, whichever comes first. Offer, eligibility, and availability subject to
change without further notice.
File Now, Pay Later is available with a 3, 6, or 9 month loan term. Variable APR ranging
from 15%-33%. For example, a 6-month $2,000 loan with an APR of 19% has a finance charge
of $112.28 and 6 monthly installments of $352.05 each. Payments may change if you have
missed payments, overpayments, or payments made outside of your normal payment schedule.
File Now, Pay Later loans issued by WebBank are facilitated by Intuit Financing Inc.
(NMLS # 1136148), a subsidiary of Intuit Inc. Although there are no loan fees associated
with the File Now, Pay Later loan, separate fees may apply if you choose to pay for
TurboTax with your state refund. Paying for TurboTax with your state refund is not
required to be eligible for a File Now, Pay Later loan. Additional fees may apply for
other products and services that you choose.
You will not be eligible for the loan if: (1) your physical address is not included on
your federal tax return, (2) your physical address is located outside of the United
States or a US territory, is a PO box or is a prison address, (3) you are less than 18
years old, (4) the tax return filed is on behalf of a deceased person, (5) your federal
tax balance owed is less than $200 or greater than $6,000, or (6) you do not have a
social security number. Additional requirements: You must (a) e-file your federal tax
return with TurboTax and (b) authorize Intuit Financing Inc. to open a Router Account in
your name with an FDIC insured bank. Opening a Router Account is subject to identity
verification.
If approved, your File Now, Pay Later will be deposited into a temporary router account
established for you at an FDIC insured bank ("Router Account"), shortly after the IRS
accepts your e-filed federal tax return. You will have no access to the funds and the
funds will only be accessed by the IRS via an authorized debit of the Router Account.
Authorized tax payments are debited by the IRS, typically within 5 days of e-file
acceptance.
Not all consumers will qualify for a loan or for the maximum loan amount. If approved,
your loan will be issued in the exact amount of your federal taxes owed. You will not
receive a final decision of whether you are approved for the loan until after the IRS
accepts your e-filed federal tax return. Your loan repayment period begins once the IRS
has received your tax payment. If your loan is not paid in full, you will not be
eligible to receive a File Now, Pay Later loan in the future.
