Do you have clients counting down the days until their return comes in? Capture more business by offering Republic Bank’s Easy Advance product. We have TWO EASY ADVANCE program options so you can choose the right fit for you!

An Easy Advance (EA) is a no recourse loan secured by a taxpayer’s tax refund to eligible applicants. If approved, a Finance Charge will apply. Advance money is typically available within 24 hours of IRS acceptance of the tax refund.2 There will be no collections activity on unfunded taxpayers.

Upon receipt of a Federal or State tax refund, the EA is repaid by deducting the loan amount and Finance Charge from the refund. After repayment, the remaining amount of the refund is disbursed to the taxpayer by the same disbursement option chosen for the EA proceeds.

Want to have the highest advance amount available? Choose the Easy Advance Plus option and offer a $6,000, $3,000, $2,000, $1,500 or $500 advance based on the taxpayer’s net refund. 

New this year! Customers can choose which loan amount to apply for based on their net refund! Options are based on their net refund!

Cost conscious but still want to offer an advance to your customers? Choose the Easy Advance Basic option and offer the $1,500 advance.

  • Attract and retain customers by offering an advance before e-file starts. After choosing Easy Advance Plus or Basic, add on the preACK Easy Advance option on
  • Approved customers will receive their EA funds from early January through the start of e-file.

To be eligible to apply for the EA, the expected Federal refund must be equal to or greater than the net refund minimum after all authorized fees have been deducted.

  • Tax return will be evaluated to determine the likelihood that it will be funded by the IRS.
  • All EA Applications will be on an individual basis so only one taxpayer can apply. It’s the taxpayer’s choice in determining who applies for the EA.4
  • Customers do not have to choose a Refund Transfer to apply for the Easy Advance.
  • Available to customers in all 50 states.
  • Please note: Easy Advance losses in excess of 4% may result in forfeiture of ERO incentives.
  • If a customer chooses a Refund Transfer, the EA can be disbursed to the taxpayer by a bank check printed at the tax office, direct deposit to the taxpayer’s personal bank account, loaded to a NetSpend Visa® Prepaid Card5 or Walmart Direct2Cash.6
  • If the customer applies for an EA without a Refund Transfer, the EA can be disbursed only by direct deposit or prepaid card.
  • A fee will be charged to the ERO for every approved EA. An additional fee will be charged for each approved preACK EA.
  • If approved, the taxpayer will pay a Finance Charge to the Bank. The ERO cannot pass these fees to taxpayers that apply for an EA.
  • EROs enrolled in preACK EAs will be able to offer EAs starting in early January until the start of filing season.
  • Easy Advance loans are available from the start of filing season through February 28th.
  1. ERO must be enrolled for Republic Bank’s Refund Transfer Program to offer the Easy Advance program. Cost to ERO per approved Easy Advance will be deducted from ERO tax preparation fees and cannot be passed to the taxpayer. If a customer does not choose a Refund Transfer, disbursement options are direct deposit or prepaid card. Net Refund refers to the taxpayer’s expected refund amount after deduction of all fees.
  2. If a customer chooses direct deposit, it may take additional time for their financial institution to post the funds to their account.
  3. There will be an additional charge to the ERO for each approved preACK Easy Advance.
  4. The individual who is NOT applying will be listed in Section 5 of the Bank Product Application and Agreement, which states that although they are not an applicant they are still granting a security interest in their tax refund to repay the loan. Both customers will sign the Bank Product Application at the bottom, however, only the applicant name will appear on the EA check. Remaining funds in excess of the loan payoff will be issued to all taxpayers listed on the tax return.  All information accurate as of October 2018.
  5. The NetSpend Visa Prepaid Card is issued by Republic Bank & Trust Company, Member FDIC pursuant to a license from Visa U.S.A. Inc. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account.
  6. A $7 Walmart Direct2Cash fee will be charged to the taxpayer and deducted when we receive their refund. Available at participating Walmart locations for disbursements up to $7,500. This disbursement option is not available to customers that select an Easy Advance without a Refund Transfer.