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NOW: The RAL Alternative

NOW is a consumer-friendly RAL alternative that gives you a
competitive edge in your market and increases customer loyalty.


NOW you can offer
$1,000 refund advances

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Be Competitive

Stand out from the competition by offering refund advances

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Be a Hero

Empower your client to be financially independent

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Be Original

Associate your brand with innovation and trust


Your client needs to file a tax return, but doesn’t have money to pay for preparation fees and is short on cash.


Then your client might ask, “Is there a possibility to receive an advance from my anticipated tax refund?”

Yes You gained a new client.
No You lost a client.

Then you refer to the NOW Advance. If your client qualifies for the refund advance, then they’re able to walk away with refund advance within 24 hours.


Whenever funds are received from IRS, Refundo automatically deducts your fees and refund advance.


The remainder is disbursed via check or direct deposit to taxpayer.

Watch the Stories From taxpayers that used Refundo NOW Play

Experience growth with NOW

We conducted a survey to understand the impact of NOW for EROs during tax season.

69%69% of ERO experienced over 10-20% business growth
21%21% of ERO experienced over 20-40% business growth
10%10% of ERO experienced over 40% business growth


Taxpayer benefits when receiving a NOW as opposed to a RAL.

  Now Ral
Product Fee $0 $29 - $120**
Interest Rate 0% 115%***
Check cashing fee Under $10 flat fee Avg. 3%
Debt Type Non-recourse Recourse
Credit Reporting Will not affect your credit report Unpaid debt reported to credit agencies

* RAL is Refund Anticipation Loans

** Average RAL fee according to the Consumer Federation of America.

*** Average RAL Interest Rate according to the Consumer Federation of America.

Get Started
(1) Refund Transfer (RT) for the NOW is a financial product provided by an unaffiliated third-party, processed through Refundo and other fees apply and will be deducted from your refund upon completion of services. Product terms and conditions are subject to change without notice. Please check with transmitter/software provider for program availability. The RT product requires an anticipated tax refund and the e-filing of a tax return by an electronic return originator authorized by Refundo. Must be enrolled in the Refund Transfer program to qualify, discount programs offered through Refundo may be excluded from this program.(2) Refundo NOW is a loan based upon your refund and not the refund itself. A Refund Transfer is not required. Refundo NOW is provided by an unaffiliated third-party Lender. Separate fees apply if the taxpayer selects a Refund Transfer, which is not required for Refundo NOW. Up to $1,000 loan with no fees for qualifying customers. Not all customers with qualify for a loan or for the maximum loan amount. Ask your tax preparer to tell you about other e-file options offered by the IRS. (3) According to the IRS, using e-file is the best way to file an accurate return, and combining e-file with direct deposit is the fastest way to get your refund.