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What Happens if I Change My Mind after Getting Approved for a Tax Anticipation Loan? Brainerd MN

Maybe you weighed all your options, decided on a Brainerd, MN tax anticipation loan, applied and got approved, and then you change your mind. That's Okay.

What Happens if I Change My Mind after Getting Approved for a Tax Anticipation Loan?
Getting Approved for Tax Anticipation Loan  Brainerd, MNTaking out a loan is a big financial decision. Maybe you weighed all your options, decided on a Brainerd, MN tax anticipation loan, applied and got approved, and then you change your mind. It’s too much of a commitment or you’re not sure you can make repayment on time. Regardless, if you inform the lender immediately you will most likely be able to back out of the loan without penalties. Here’s everything you need to know about changing your mind about a tax anticipation loan.

Don’t E-Sign the Tax Anticipation Loan Until You’re Sure

What makes your tax anticipation loan official is your signature. This is true of any loan, but when working with online lenders it can be a little more confusing. Getting approved, getting the terms, and saying you want the loan do not make it official. You can back out at any time if this is all you have done. Online loans are made official with an e-signature. You’ll be asked to take this step, but until you are absolutely sure you want the loan, don’t do it. It doesn’t hurt to take a little time at this point to be certain that you need the cash and that this is the way you want to get it. Until you e-sign the loan you have not committed to taking the loan. While it is possible to back out after signing in some situations, it’s easier if you do so before taking that official step.

Notify Your Tax Anticipation Loan Lender Immediately if You Want to Back out after Signing

If you have e-signed for the tax anticipation loan and then change your mind about it, you may still have options. Let your lender know right away by calling the phone number you’ve been given. This will connect you to the lender who can let you know if it is still possible to back out. In most cases as long as you notify the lender of your decision within 24 hours you can change your mind and not take the loan. This is not guaranteed, but it is worth contacting the lender to find out. Don’t hesitate on this action or it may be too late.

Don’t Wait for the Lender to Call You about the Tax Anticipation Loan

With most online tax anticipation loans near Brainerd, the lender will give you a quick call before going forward with the funding. One reason they do this is to confirm information, but it also gives you a chance to back out of the loan. Some lenders, however, may not call until you have already e-signed to make the loan official. If you have not yet signed and the lender calls you, take that opportunity to let them know you want to back out of it. If you are having doubts, don’t wait for the lender to call though. This is especially important if you have already signed for the loan. Be proactive and make that call to get it settled. Even if you haven’t signed yet, it’s a good idea to call your lender right away. They can answer any questions you have and help you decide if you want to go through with the loan or not.



Local Companies

Affinity Plus Credit Union
(218) 829-5552
406 W Washington St Ste 6
Brainerd, MN
 
American National Bank Of Mn
(218) 829-1484
7638 Woida Rd
Brainerd, MN
 
Brainerd Savings And Loan
(218) 829-5183
524 S 6th St
Brainerd, MN
 
Citifinancial
(218) 828-5110
14410 Golf Course Rd
Brainerd, MN
 
Deerwood Bank
(218) 825-8946
14986 Lynwood Dr
Brainerd, MN
 
American National Bank Of Minessota
(218) 824-7900
1920 S 6th St
Brainerd, MN
 
Bank Of America Home Loans
(218) 825-8999
13432 Elmwood Dr Ste 5
Brainerd, MN
 
Budget Mortgage
(218) 829-0755
14091 Baxter Dr
Brainerd, MN
 
Countrywide Home Loans
(218) 825-8999
13432 Elmwood Dr Ste 4
Brainerd, MN
 
Gsf Mortgage
(218) 824-8100
7636 Design Rd
Brainerd, MN
 
US Bank - Brainerd Office
(218) 828-5424
320 S 6th St
Brainerd, MN
Drive Up Hours
Mon 07:30 am to 05:30 pm
Tue 07:30 am to 05:30 pm
Wed 07:30 am to 05:30 pm
Thur 07:30 am to 05:30 pm
Fri 07:30 am to 05:30 pm
Sat 09:00 am to 12:00 pm

Wells Fargo - Baxter
(218) 828-2181
15146 Dellwood Dr
Baxter, MN
Type
Branch
Office Hours
Mon-Fri 08:30 AM-06:00 PM
Sat 09:00 AM-12:00 PM
Sun Closed

U.S. Card Systems
(218) 825-0110
17163 State HWY 371 North
Brainerd, MN
Type
Credit Card Processing

Wells Fargo - Baxter Branch
(866) 245-3452
15146 Dellwood Dr
Baxter, MN
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Ironton Branch
(866) 245-3452
221 4th Street
Ironton, MN
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Ironton
(218) 546-8323
221 4Th St
Ironton, MN
Type
Branch
Office Hours
Mon-Fri 08:30 AM-05:30 PM
Sat-Sun Closed

Wells Fargo - Brainerd
(218) 828-8618
424 W Washington St
Brainerd, MN
Type
Branch
Office Hours
Mon-Fri 07:30 AM-06:00 PM
Sat 09:00 AM-02:00 PM
Sun Closed

U.S. Bank - Brainerd Branch
(800) 872-2657
320 South Sixth Street
Brainerd, MN
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Brainerd Branch
(866) 245-3452
424 West Washington Street
Brainerd, MN
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Harris Bank - Maple Grove Branch
(800) 546-6101
11915 Elm Creek Boulevard
Maple Grove, MN
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. This fee can be waived if you are a student. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Harris Bank for details.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

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Important Note: You will not be asked for a copy of your tax return, because we base the amount of your tax return loan on your income. Our tax return loans are provided as a means of helping you with a short-term financing opportunity and should not be used as a long-term option. Before entering into this type of loan, it is advised that you speak with an appropriate professional.

We are not the broker or the lender. The operators of this website do not issue the loans directly to you. We are not brokers, lenders, representatives or agents thereof and are only here to provide a service. Tax refund loans and credit decisions are not made by us. Instead, your information is collected and sent to the appropriate lending agency, or broker who will then secure the loan. We do not issue financial terms – the lender is responsible for this and thus, all questions or concerns should be addressed directly to the lender. Lenders do not typically seek your credit report through the three major reporting bureaus: Trans Union, Equifax or Experian. However, lenders may seek reports from alternative providers upon their sole discretion.

Limitations – you should not expect that all lenders will be able to provide you with up to $1,000, especially if this is your first loan. The amount you receive is often dependent upon several factors including the state in which you live as well as the information that is provided to the lender. There is no implied guarantee in that upon applying for a tax refund loan through website that you will be approved. The amount of time it takes to receive your funds is dependent on your lender and your financial institution. Faxing may be required in certain instances. Tax refund loans and alternatives thereof are not available in all states. The states that are indicated on this website may change at any time without any further notice to the consumer. Services and offers are void where they are prohibited.

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