can i recieve an early refund in november?

Answer 1

The easiest way (& no cost way) to get some of your withholding prior to filing time is:
1) change your filing status and/or increase your exemptions so you get more take home pay in your checks.
2) see if you qualify for an advanced earned income credit, see http://www.irs.gov/individuals/article/0,,id=96515,00.html

Both 1) and 2) will reduce the amount of your refund when you file, and give you more $$ in your pocket now.

If you get an advance loan from a tax preparation service they will charge you an arm & a leg.

Answer 2

You file taxes on a calendar year basis. Your income tax is based on income from Jan 1 to Dec 31. So there is no way to get a refund before the end of the year. The IRS will accept tax returns anytime after January 1, but will only accept electronic returns starting around January 15. Refunds begin to be issued about a week after that date.

Last year it was possible to get a loan based on your anticipated refund in November at the large commercial tax prep places. Those programs have been discontinued.

A commercial preparer may be able to issue you a loan against your refund in January. But the refund itself will not be issued until late January at the earliest.

Answer 3

Those November "refunds" aren't really a refund, they are a very expensive short-term loan until yoou get your actual refund comes in. The current word is that those won't be available this year.