Tax Refund Advance in Dallas, TX: $500 to $7,000 When You File With APEX
Need money before your IRS refund arrives? When you file your tax return with APEX Income Tax & Multiservice in Oak Cliff, you can apply for an optional Fast Cash Advance through Santa Barbara Tax Products Group (SBTPG). If approved, you can receive $500 to $7,000 by check or direct deposit before the IRS sends your refund.
A refund advance is a loan from First Century Bank, N.A., Member FDIC. It is not your tax refund. Approval is not guaranteed. 35.99% APR. See the details and disclosures below.
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What Is a Tax Refund Advance?
A tax refund advance, also called a refund advance loan, is a short-term loan based on the federal refund you expect to receive. At APEX, the refund advance we offer is the SBTPG Fast Cash Advance, a tax-refund related loan provided by First Century Bank, N.A., Member FDIC.
If you are approved, the bank pays you the advance first. When the IRS releases your refund, the loan amount plus interest is deducted from it, and the rest of your refund is paid to you. There is nothing to repay out of pocket as long as your refund covers the loan.
- ✓It is a loan, not your actual tax refund
- ✓It is optional: you can file your return electronically without applying
- ✓Not everyone qualifies, and not everyone qualifies for the maximum amount
- ✓Available during tax season only, while the program is open
Refund Advance Amounts, Cost and Program Dates
Current terms published by Santa Barbara Tax Products Group for the Fast Cash Advance program. We review the exact figures for your advance with you before you sign.
| Product | Fast Cash Advance (SBTPG) |
|---|---|
| Lender | First Century Bank, N.A., Member FDIC |
| Advance amounts | $500 to $7,000, if approved |
| Cost | 35.99% APR. Example: a $2,000 advance repaid in 30 days totals $2,059.16 in principal and interest. |
| Program dates | January 2 through March 12 (2026 program; dates may change each tax season) |
| How you get the money | Check or direct deposit |
| Repayment | Deducted from your tax refund when the IRS issues it |
| Required? | No. You can file your taxes without applying for an advance. |
Terms for the next tax season are set by SBTPG and the lending bank and may change. Source: SBTPG, Fast Cash Advance.
Refund advance applications are completed at your tax appointment. Book your spot for tax season now.
Why Dallas Taxpayers Choose a Refund Advance at APEX
Faster access to money
Get funds sooner than standard IRS refund timing, if approved. The IRS says most refunds are issued in less than 21 days for e-filed returns with direct deposit, and some take longer.
No separate loan payments
Repayment comes out of your refund automatically. You don’t make monthly payments.
Apply while you file
One appointment: we prepare your return and submit your advance application at the same time.
Local and bilingual
Oak Cliff office at 2743 S. Hampton Rd, with service in English and Spanish, plus virtual appointments.
Registered with the Texas OCCC
APEX renews its registration as a Refund Anticipation Loan Facilitator with the Texas Office of Consumer Credit Commissioner every year.
Clear disclosures
Before your loan closes, we walk you through the fee schedule, the APR and what you will receive, as Texas law requires.
How to Get a Tax Refund Advance in 5 Steps
Book your tax appointment
In office in Dallas or virtual. Bring your documents (list below).
We prepare your return
We confirm your expected refund and walk you through the advance disclosures.
Apply for the advance
Choose Fast Cash Advance (optional). The bank makes the approval decision.
Receive your funds
If approved, you get your advance by check or direct deposit.
Refund repays the loan
When the IRS issues your refund, the loan plus interest is deducted and you receive the rest.
What to Bring to Your Tax Appointment
Documents
- ✓Valid photo ID
- ✓Social Security cards or ITIN letters for you, your spouse and dependents
- ✓Income documents (W-2, 1099-NEC, 1099-K, 1099-INT/DIV and others)
- ✓Self-employed income totals, expenses and mileage (if applicable)
- ✓Health insurance forms (if available)
- ✓Dependent information and childcare expenses (if applicable)
Also helpful
- ✓Bank routing and account number for direct deposit
- ✓Any IRS letters or notices you received
- ✓Your prior-year tax return (helpful, not required)
- ✓Missing a form? Book anyway. We help you retrieve it.
Tax situations we handle
- ✓W-2 income with dependents
- ✓Self-employed, gig work and freelancers (Schedule C)
- ✓Multiple 1099 forms
- ✓Stock and cryptocurrency transactions
- ✓Rental income
- ✓Missing documents (we guide you on retrieval)
No refund advance? Other options
- ✓File electronically with direct deposit for the fastest IRS refund
- ✓Pay your tax preparation fee from your refund with an SBTPG Refund Transfer, so there is nothing to pay up front (fees apply)
- ✓Receive your refund by direct deposit or check
Book Your Tax Appointment and Ask About a Refund Advance
Pick a time that works for you. We prepare your return, explain your advance options and cost, and submit your application if you choose to apply.
- ✓Advances from $500 to $7,000, if approved
- ✓Paid by check or direct deposit
- ✓Repaid from your refund, with no monthly payments
- ✓Bilingual service in English and Spanish
Calendar not loading? Open the booking page or call (972) 803-6207.
Tax Refund Advance FAQs
Please reach us at info@apexincometax.com or (972) 803-6207 if you cannot find an answer to your question.
BOOK MY TAX APPOINTMENTWhat is a tax refund advance?
A tax refund advance is an optional loan based on your expected federal tax refund. At APEX it is the SBTPG Fast Cash Advance, provided by First Century Bank, N.A., Member FDIC. It is not your tax refund.
How much can I get with a refund advance?
Fast Cash Advance amounts range from $500 to $7,000 if you are approved. The amount depends on your expected refund and the bank’s approval. Not everyone qualifies for the maximum amount.
How much does the refund advance cost?
SBTPG discloses a 35.99% APR for the Fast Cash Advance. For example, a $2,000 advance repaid in 30 days totals $2,059.16 in principal and interest. We review the cost of your specific advance with you before the loan closes.
When is the refund advance available?
During tax season only. For the 2026 program, SBTPG listed availability from January 2 through March 12. Dates can change each year.
How fast will I get the money?
Advances are paid after the bank approves your application. Some advances are paid within 24 hours of approval after the IRS accepts your return. Timing is not guaranteed.
How do I receive my refund advance?
By check or direct deposit.
How is the refund advance repaid?
The loan amount plus interest is deducted from your tax refund when the IRS issues it. The rest of your refund is paid to you. If your refund is not paid or is too small to cover the loan, you are responsible for repaying it.
Am I guaranteed approval?
No. Approval depends on eligibility and the bank’s underwriting. Not all consumers qualify.
Do I have to get a refund advance to file my taxes?
No. The refund advance is completely optional. You can file your return electronically without applying.
How long does a regular IRS refund take?
The IRS says it issues most refunds in less than 21 days for returns filed electronically with direct deposit. Some returns take longer, and the IRS does not guarantee a specific date or amount.
Is APEX licensed to offer refund advances in Texas?
APEX Income Tax & Multiservice is registered each year with the Texas Office of Consumer Credit Commissioner (OCCC) as a Refund Anticipation Loan Facilitator. The loan itself is made by First Century Bank, N.A., Member FDIC.
Can I apply in Spanish?
Yes. We serve clients in English and Spanish. Ver adelanto de reembolso en español.
Explore More APEX Services
Refund Advance Disclosures
Fast Cash Advance is an optional tax-refund related loan provided by First Century Bank, N.A., Member FDIC, through Santa Barbara Tax Products Group (SBTPG). It is not your tax refund and is available at participating locations only. Loan approval is subject to eligibility and underwriting. Not all consumers will qualify for a loan or for the maximum loan amount. Loans are offered in amounts of $500 to $7,000. All loans have an Annual Percentage Rate (APR) of 35.99%; for example, a $2,000 loan with a 30-day repayment period totals $2,059.16 in principal and interest. The loan amount and interest are deducted from your tax refund and reduce the refund amount paid directly to you. You are responsible for repaying the loan if your refund is not paid or is not enough to repay it. Tax returns may be filed electronically without applying for this loan. The IRS does not guarantee the full amount of your anticipated refund or a specific date it will be paid. Terms and program dates are set by SBTPG and the lender and may change.
Texas OCCC notice. For questions or complaints about this transaction, contact the loan facilitator, APEX Income Tax & Multiservice LLC, at (972) 803-6207, 2743 S. Hampton Rd, Suite A, Dallas, TX 75224, info@apexincometax.com. The Office of Consumer Credit Commissioner (OCCC) is a state agency, and it enforces certain laws that apply to the facilitator. If a complaint or question cannot be resolved by contacting the facilitator, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov.
APEX Income Tax & Multiservice LLC is a private, independent firm. We are not a government agency and are not affiliated with the IRS, the Texas Secretary of State or the Texas Comptroller. ITINs (Form W-7) and business registrations are available directly from the government at little or no cost at irs.gov and sos.texas.gov; you are not required to use a paid service. Our fees cover professional preparation and submission help only, and government fees are separate. We cannot guarantee approval or processing times and do not give legal or immigration advice. Questions: info@apexincometax.com.