<prompt> Human: Sorry I know I have asked this before, but I really need to come up with something. I pretty much just need an advance on my tax return, but I dont want to spend 5 years paying for the loan, I just wanna pay the lump sum when I get my tax return. any suggestions? low credit a660s credit score around 700dollar creditI need around 2000 dollars.  <response>: You know, any loans you get from a bank and while it may have terms like a 5 year payback you dont actually have to take the whole 5 years. You can payback the entire balance any time you want. So go to your bank and see if you can get a personal loan, disregard what the payback period is and just pay in full when you get the money. Just make sure it doesnt have any pre-payment penalties but those are very rare these days. 