Tax-Time Refund Loans vs. Lines of Credit

http://bucks.blogs.nytimes.com/2013/03/28/tax-time-refund-loans-vs-lines-of-credit/?ref=your-money 

By ANN CARRNS

  

The plethora of tax-time financial products aimed at lower- and moderate-income Americans can be mind-boggling. Adding to the complexity, there’s even some disagreement over what they should be called.
Earlier this week, I wrote about a report from the National Consumer Law Center, which outlined new alternatives to tax-refund-anticipation loans — high-cost, short-term loans made to consumers who pay them back when they get their income tax refunds. Such loans are much less prevalent now, in part because of a federal crackdown on banks that made many of the loans.

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