A Refund Anticipation Loan (RAL) disburses refund anticipation loan proceeds in as little as 24-48 hours (pending credit approval). The ANEW RAL can be loaded onto the ANEW Prepaid MasterCard for increased security and convenience, or disbursed on a cashier's check or through direct deposit to the customer's bank account. Because all RAL fees and tax preparation fees can be deducted from the loan proceeds, you pay nothing out-of-pocket at the tax prep office. With ANEW, RAL fees will be reduced up to 50% from last year.