The Advanced Fast Cash is an optional tax refund related loan, (not your actual tax refund). With the Advanced Fast Cash there is 0% APR and no loan fees. However, there are bank fees. The loan amount and any applicable interest will be deducted from the tax refund and reduce the amount paid directly to the taxpayer. Availability is subject to identity verification, eligibility criteria, and underwriting approvals. The pre-qualification process uses information on customers credit report in connection with the Advanced Fast Cash. The customer must meet lender’s requirements for credit. The customer must have a bank account. The loan takes 24 hours or less for approval. Tax returns can be filed electronically without applying for this loan. (It is not required to purchase a Refund Transfer to apply for or receive the Advanced Fast Cash, it is entirely optional.) You must send us your last pay stub.