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    Hi, I'm Phillip Crocker and I'm your "One Resource" for financial education and questions.

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    Phillip Crocker - Director of Financial Education, Resource One Credit Union
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Refund Anticipation Loans

What is a Refund Anticipation Loan (RAL)?
 
A Refund Anticipation Loan is a high-interest short-term loan secured by a taxpayer’s expected tax refund.  A taxpayer commonly applies for the loan through a tax preparation firm.  The taxpayer receives an amount up to the refund amount less the loan fee, tax preparation, and other fees.  The proceeds of [...]