get an easy advance* up to $6,000 starting jan. 2nd

Turn your expected tax refund into cash before the month ends.

File with us, apply during your appointment, and get your Easy Advance deposited that same day.

The IRS takes weeks to process…we take a few hours.

Available January 2 through February 28

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File Your Taxes Today, Get YOUR money Today

January is when holiday spending catches up with you. Between credit card statements, utility bills, and rent, you need money now…not 21 days from now when your return processes. M&M Tax Service gives you access up to $6,000 from your expected refund starting January 2nd, so you can pay what needs to be paid.

3 Simple Steps To An Easy Advance

Secure Your Easy Advance When Filing With M&M Tax Service

Bring your documents to any M&M Tax location. We manage both your filing and your request for up to a $6,000 Advance*. One appointment handles everything.

Know Exactly What Determines Your Advance Approval

Approval depends on two factors: your previous refund history and the details of your current tax return. Amount is based on your expected refund after fees.

Money In Your Account In One Day, Often Even Sooner

The funds are available within 24 hours or less after approval. Same-day disbursement depends on the timing of your final approval and deposit choice.

Why Taxpayers Choose The Easy Advance

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Guarantee Eligibility For An Easy Advance

Filing your taxes starts the Advance application. If you qualify, you receive a decision and the money today. This process reviews your tax documents only; no credit check is needed.

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Know Your Advance Amount Before You Leave The Tax Office

No more checking the status online or worrying about return problems. The approval decision and the exact amount you qualify for are provided during your filing.

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Funds Available The Same Day You File Your Taxes

We evaluate your return and confirm your specific loan amount immediately. With high approval rates we can lock in your funding today, based on your expected refund, and have it disbursed quickly.

THE M&M TAX SERVICE GUARANTEE

Biggest & Fastest Refunds Allowed by the IRS

We are so confident in our ability to help maximize your refund that we guarantee accuracy.

If we miss anything, we correct it at no additional cost to you.

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Easy Advance FAQs

What is an Easy Advance (EA)?

It is a loan that you can get quickly. You are borrowing against the tax refund you are expecting to get from the government. It helps you get money fast while you wait for the IRS to send your full refund.

How much money can I get, and how fast?

You can get a loan from $500 up to $6,000. The money is often ready within 24 hours after the IRS accepts your tax return.

How do I pay the loan back?

You don’t have to do anything!

When the government sends your actual tax refund:

– The bank automatically takes out the loan amount plus a small fee (called a Finance Charge) you agreed to pay.

– The rest of your refund money is then given to you.

What does the Easy Advance cost me?

If your loan is approved, you will pay an interest fee (called a Finance Charge) to the bank. This fee is 35.99% APR (Annual Percentage Rate). Your tax preparer cannot charge you any extra fees for this loan.

When are Easy Advance loans available?

You can apply for the loan from early January until February 28th. You must file your taxes electronically with a tax preparer who uses Republic Bank. You might even be able to get a “pre-ACK” Advance before the main e-file season starts!

How will I get my money?

You have a few ways to get your loan money:

If you choose a Refund Transfer…

You can get it by:

A bank check printed at the tax office…

Direct deposit into your bank account…

– Loaded onto a Netspend® Prepaid Mastercard

If you do not choose a Refund Transfer…

You can only get it by:

Direct deposit into your bank account…

– Loaded onto a Netspend® Prepaid Mastercard.

* To be eligible for the $6,000 loan amount, your expected Federal refund less authorized fees must be at least $7,000. An Easy Advance (EA) is a loan secured by and paid back with your tax refund and is offered by Republic Bank & Trust Company, Member FDIC, to eligible taxpayers. Loan amount options are based on your expected Federal refund less authorized fees. If approved for an EA, a Finance Charge will apply. Loan is subject to underwriting and approval. EA proceeds are typically available within 24 hours of IRS acceptance of tax return or within 24 hours for those filing before the IRS start date; however, if direct deposit is selected, it may take additional time for your financial institution to post the funds to your account. Visit your tax preparer to learn about the cost and timing of all filing and product options. Available with preparation of 2025 federal tax return through Feb. 28, 2026.