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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 to pay your federal tax balance directly to the IRS. Loans are available with 3, 6, or 9 month terms and variable APR from 15% to 33%. The offer expires on October 16, 2026, or when available funds are exhausted, whichever comes first. Eligibility, credit approval, identity verification, and other requirements apply.