Planning Systems

We do not offer rapid refunds, with good reason.

Most people don’t know it, but the effective interest rate (A.P.R – Annual Percentage Rate) on rapid refunds is in excess of 100% interest, sometimes even 200%; that’s why we don’t do them. We could do them, and we have lots of banks soliciting us to do them, but we just think they are a very poor way to do business, especially since most people really have no idea how much they are paying for a loan for usually about a week.

E-Filing can get your money back in as little as 10 days, depending on the day of the week it is submitted and if you want a direct deposit or a mailed check. Worst case on a mailed check would be about 3 weeks.

Rapid Refunds are very poor planning and we advise against them.