Most of them offer instant money; this is a lure!!! If you go to them you have to understand that nothing is free, they charge their services and they charge good, then if you want instant money and / or rapid refund but what you'll get its a BANK LOAN and you have to pay a fee to both the tax office and the bank; Even if you do not get the loan !!! also interest and fees if you get the LOAN... there is more, they will get your IRS check you do not, They make a check to you and then you are sent to a check cashing store where ... You pay to get your check cashed!!! so by the end of the ordeal you can end up with less of you money money than they.