What kind of fees can I expect to get a refund anticipation loan?

Oops, if you owe tax for last year, you cannot get a refund anticipation loan. This is because the bank does not know if the remainder of your refund will cover the loan. All it knows is that you have FMS debt and it will reject the loan.

And if you owe the state your federal refund may be offset to pay for the state. Not guaranteed, it depends on whether the state has notified FMS (the federal collection agency).

You can get the bank to accept your refund, pay the preparer, and pay you. Not a loan, and it takes a couple of weeks, but you should be eligible for that. The fees for this service would be about $30, in addition to your tax preparation fees.