Need cash before your tax refund arrives? Jackson Hewitt offers two distinct advance loan programs: a "Holiday Loan" that starts in December and a standard "Refund Advance" that begins in January. However, the eligibility rules and costs differ significantly between the two.

Below is the official schedule for the 2025–2026 tax season, plus a breakdown of the interest rates you need to watch out for. Before you book an appointment, check Groupon’s Jackson Hewitt offers to save on your filing fees.

Program 1: The Holiday Loan (Early Refund Advance)

The Early Tax Refund Advance is designed for people who need cash before they file their taxes. It runs from December 11, 2025, through January 11, 2026.

How it works: Since you haven't filed your tax return yet (because the IRS isn't open), Jackson Hewitt estimates your refund based on your most recent pay stub. It acts like a bridge loan to get you through the holidays.

• Max Amount: Up to $1,000 (amounts typically start at $300).
• Requirements: Recent pay stub and a valid government ID.
• Credit Check: No. Approval is based on income verification.

Program 2: The Regular Tax Refund Advance

Once tax season officially opens, the program switches. The standard Tax Refund Advance runs from January 2, 2026, through April 15, 2026.

How it works: You must officially file your taxes with Jackson Hewitt to get this loan. Because your return is prepared, they have a more accurate number for your refund, allowing them to lend higher amounts.

• Max Amount: Up to $3,500.
• Requirements: W-2s, 1099s, and a completed tax return.
• Credit Check: No.

Comparison: Holiday Loan vs. Refund Advance

Here is how the two programs stack up side-by-side.

The Cost Reality Check: 35.99% APR

This is the most important part of the fine print. While some competitors offer 0% interest on small amounts, Jackson Hewitt’s advance loans generally carry a 35.99% APR. This is comparable to a high-interest credit card.

What does this mean for your wallet?

• If you borrow $1,000, you will pay finance charges (interest) on that money until your refund arrives to pay it off.
• The loan cost is automatically deducted from your tax refund along with your filing fees. (Not sure what the filing bill will be? Check our guide on how much Jackson Hewitt charges.)

The Verdict: If you are facing eviction, a utility shutoff, or urgent holiday bills, the cost may be worth the speed. If you can wait a few weeks for the IRS to deposit your check normally, you will save money by skipping the loan.

How to Apply (No Credit Check Required)

One of the biggest advantages of Jackson Hewitt’s program is that applying does not affect your credit score. The loans are secured by your future tax refund, not your credit history.

Step 1: Gather Your Documents

If you are going in December, just bring your most recent pay stub and ID. If you are going in January, bring all your tax forms (W-2s, 1099s).

Step 2: Visit a Store

You generally cannot apply for these loans entirely online. You need to visit a participating Jackson Hewitt location to verify your identity. Find a location here.

Step 3: Get Your Money

If approved, you can get the funds loaded onto a prepaid card immediately (The "Money Today Guarantee"). If you prefer a direct deposit to your bank account, it typically takes 1–5 business days.