Beware the RRR. The RRR is the Rapid Refund Rip-off. Rapid refunds, or Refund Anticipation Loans ( RALS) are loans ( yes loans ) given to you based on the amount of your refund. You pay a fee and get the loan in a day or two. However, had you waited you would of had your refund a few days later anyway, and not paid the fee ( really interest) on the loan. Additionally, the fee you pay for getting money early ( by 5 or 6 days) equals out to an annual interest rate sometimes of over 2000%. Granted, its temptation to pay a fee to get a large refund quicker, usually because you need the money. But if you need the money, why waste money on getting something that is legally yours anyway, and will be in your bank a few days later. Personally, I think RAL’s take advantage of those people who either don’t understand the process or are in such a financial bind they are desperate for the money. Even if you don’t file with us, please do yourself a favor and stay away from the RRR. Our average cost to e-file is $45.00, and with direct deposit you get your money FAST. I know of people who have paid $300 for the same return to get their money a few days earlier.