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If your expected federal tax balance owed is between $200 and $6,000, you could be eligible for a File Now, Pay Later loan. The loan can only be used to make your federal tax payment directly to the IRS. It is available with a 3, 6, or 9 month loan term, with a variable APR ranging from 15% to 33%. Availability is subject to credit approval, identity verification, security requirements, eligibility criteria, and underwriting standards. The offer expires on October 16, 2026, or when available funds are exhausted, whichever comes first.