01/18/2026
🚨 PSA – PLEASE READ CAREFULLY 🚨
❗️Applying for a tax advance = filing your tax return. You cannot apply for an advance without filing.
❗️The moment you apply for an advance, your return is electronically transmitted to the IRS and placed in their queue for acceptance.
❗️Loan approved? You filed.
❗️Loan denied? You still filed.
❗️Going to another tax preparer to apply for a new advance is pointless and considered fraudulent.
❗️All tax preparers use the same banks. Once your return is transmitted, it’s already in the system.
❗️Your tax preparer does NOT decide whether you’re approved for a loan or the amount you receive.
❗️Loan decisions are based on prior advance history, IRS issues, and your expected refund amount.
❗️If you received an advance in a previous year and your refund was not funded, switching preparers will not make you eligible again.
TCFA, LLC. Debert Tcfa Tax Desty II