A NowRAL^™ or Refund Anticipation Loan (RAL) is a loan provided by Republic Bank based on the amount of your Federal tax refund. You can get a RAL up to $8,000 or a NowRAL^™ up to $1,500. No prior RAL experience is necessary to apply!

If the bank APPROVES your application, the tax refund loan is generally available at our office in the form of a cashier's check written on Bank of America check stock in as little as 3 minutes for a NowRAL^™ or 12 to 48 hours for a RAL. Fees for these loans vary depending on the amount of your anticipated Federal tax refund and can be taken directly from the refund, which means NO out-of-pocket expense! When the IRS makes the actual direct deposit of your tax refund into a temporary deposit account set up at Republic Bank, this pays off the loan and any additional funds are given to you in an overage.

NOTE: Any state tax refund CANNOT be considered when applying for a tax refund loan.

Below are some of the qualifications that MUST be met before applying for a tax refund loan for yourself and spouse:

• You must be at least 18 years old.

• You must have ONE of the following non-expired pieces of government-issued identification: State issued Driver's license, DMV / BMV state identification card, Military ID, U.S. Passport, U.S. Resident Alien card, or Matricula Consular Card.

• You must have NO outstanding tax liabilities, delinquent child support payments, delinquent student or other federally-sponsored loans, or any other delinquent government debts. To find out if you have any delinquent government debts, you may call the Financial Management Service (FMS) of the U.S. Treasury Department at 1-800-304-3107.

• You must have a Form W-2 or 1099-R.

• Your federal tax return must be filed electronically.

• You MUST have a residential address. PO BOXES are NOT acceptable.

Denied Loans

The NowRAL^™ and Refund Anticipation Loan (RAL)  are LOANS and are subject to underwriting approval. Republic Bank uses a variety of screening factors to determine whether it will make a loan on an applicant's anticipated federal tax refund. The criteria for approval is proprietary to the bank and specific information may or may not be available to share with you verbally. Therefore, the bank automatically sends a letter to all applicants whose applications are denied.

If your loan is DENIED, you will have to wait for the IRS to deposit your tax refund into the deposit account set up at Republic Bank. Your cost will be REDUCED, since you will NOT be charged any finance fees. The IRS will usually make the deposit within 8 to 15 days. A cashier's check written on Bank of America check stock will be available to you at our office when the deposit occurs.

Click here to view your account information with Republic Bank. Information on the following products are available:

• NowRAL^TM

• Refund Anticipation Loan (RAL)

• Electronic Refund Check (ERC)

• Electronic Refund Deposit (ERD)