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FAQ
You've got questions, we've got answers.
FAQ
You've got questions, we've got answers.
We make it easy to get the money you need when you need it most.
Application
What types of loans do you offer?
We offer installment loans or lines of credit depending on your state. Please click here to view what type of loan is available in your state.
What is an installment loan?
It is a loan for a fixed amount that you receive in one lump sum and must be paid back in equal payments spread out over several months.
What is a line of credit?
It is an open line of credit that comes with a credit limit. You can draw funds up to your credit limit, and you only incur interest and fees for the amount you draw. As you pay the balance down, your credit becomes available again up to the amount of your credit limit.
What do I need to apply?
- Photo ID
- Proof of Income
- Proof of open and active bank account
Who is eligible for a loan?
- You are at least 18 years old
- You reside in a one of the states where we make loans
- You have a job or consistent source of income
- You have a valid, open, and active checking account
- You have a verifiable cell phone number and email address
How do I apply for a loan?
You can quickly and easily complete your application in a participating Liberty Tax and Loan store by clicking here, or you can apply online using your mobile device or PC. You can even send us any required documents using just your mobile device. If you apply on line, you will be required to bring your government ID to a participating store location for verification.
How soon will I know if I'm approved?
You may receive a decision within a matter of seconds after submitting your application. In some cases, we may require additional information such as proof of income or your most recent bank statement and will quickly notify you if these items are needed. If your application for a product is denied, we will notify you within 30 days as to the reason for the denial.
Loan Information
How much can I borrow?
Our loans and lines of credit range from $50 - $5,000, but the available amounts will vary depending on your state. Please click here to see the amounts available for your specific state.
Can I select a different loan amount?
If approved, you can select a different loan amount. On our offer page you will always be presented with your maximum loan amount available. From there you can reduce that maximum loan amount all the way down to the minimum loan amount offered within your state.
How would I receive my loan funds and how soon can I get them?
You can quickly and easily complete your application in a participating Liberty Tax and Loan store by clicking here. You can even send us any required documents using just your mobile device. If you apply online, you will be required to bring your government ID to a participating store location for verification.
- Instant Funding to Debit Card - Funds immediately available on your debit card.
- Same-Day ACH – Funds available by 6pm the same day in your bank account if your loan is approved and verified by 10:00 a.m. CST.
- ACH – Funds available in your bank account the next business day if your loan is approved and verified by 5:00 p.m. CST.
- Check - Available the same day in participating stores if your loan has been approved and verified by 5:00 p.m. CST.
How much do your loans cost?
Please click here to view the applicable loan amounts, costs, and terms for the loan(s) available in your state.
Can I have more than 1 loan at the same time?
No, you must pay off your current loan before applying for a new one. If you are eligible for a refinance, the option will be displayed in your account center when you sign into your account.
What if I no longer need the loan or have changed my mind?
We offer the ability to cancel the loan within a designated period of time after the loan agreement is signed , your application is approved, and your documents are verified. State Law dictates the amount of time allowed to cancel a loan. Please refer to the contract for the designated time in your state. To cancel, simply call one of our representatives at 866-804-6043 and repay the loan principal amount within that time period, and you will not be charged any fees or interest.”
Payment Options
What are my loan repayment options?
You can make your payments the following ways:
By ACH
You can elect to have your payments automatically deducted from your bank account on each of your scheduled payment dates. You can also login into your account or call us at 833-979-6654 to make a one-time payment via ACH.By Debit Card
You can elect to make your payments automatically from your Debit Card on each of your scheduled payment dates. You can also log into your account or call us at 833-979-6654 to make a one-time payment via Debit Card.In Store
You can always make a payment inside a participating Liberty Tax & Loan store in cash, by check, or by debit or credit card.Can I pay off my loan early?
Yes! There are no pre-payment penalties if you choose to repay your loan early.
What if I can't make my payment?
Please contact us at 833-979-6654 or go here to contact us by email to discuss options available to you.
Can I change my repayment method?
Please contact us at 833-979-6654 or go here to contact us by email to discuss options available to you.
Refinance
Am I eligible to refinance my loan?
Please contact us at 833-979-6654 or go here to contact us by email to discuss options available to you.
What happens when I refinance?
If you are approved for a refinance, you will receive a new loan, some or all of which will be used to pay off your current balance, and remaining loan amounts (if any) will be provided to you.
Will I have to sign a new loan agreement if I refinance?
Yes. A new loan agreement will be provided to you to review and sign.
Ready to Apply?
You could get a fast loan from $50 - $5,000*!
*Loan amounts vary by state. See rates and terms for amounts in your state.