The IRS tax filing season has begun, and many Americans are eager to receive their tax refunds. A 2025 study by Credit Karma found that 37% of taxpayers rely on their refund to cover basic expenses. To get your money quickly, experts recommend several steps.
First, ensure your tax return is accurate. Mistakes such as typos in Social Security numbers, names, or bank account details can delay processing by eight to 16 weeks, according to the IRS. Certified public accountant Dr. Jason W. Stanfield advises double-checking all information, even if a professional prepared the return.
Second, wait until you have all necessary tax forms before filing. Filing early and missing a form—such as a W-2 or 1099—can trigger an amended return and delays. This is especially important for freelancers and contractors who may receive 1099-NEC forms.
Third, file electronically and request direct deposit. E-filed returns are processed within 21 days, compared to up to six weeks for paper returns, according to the Consumer Financial Protection Bureau. Tax defense attorney J. Anton Collins notes that combining e-filing with direct deposit is the fastest way to receive your refund.
Finally, be cautious about refund advance loans. While they offer quick cash, they often come with high fees and interest rates. Certified public accountant Luke Richardson warns that borrowers remain liable if the refund is less than expected. Some services offer 0% interest loans, but these may still carry risks.
