"Refund anticipation loans" (RALs) may often be obtained for taxpayers filing electronically. Republic bank provides a variety of products for taxpayers to choose from. Those who qualify may receive their refunds up to $8,000 in as little as 24 hours with all bank and preparation fees deducted from the refund. No up front cash is needed. In some instances, refunds may be obtained in minutes. All checks are certified and prepared in my office.