If your refund is not received within 65 days, Neo will attempt to debit your Neo Money™ account for the remaining balance at the end of the loan term.
8Term of loan is from loan agreement effective date to the earlier of the date you receive your tax refund from the CRA or 65 days. The Neo Money™ card is powered by the Neo Money™ account, which is provided by Concentra Bank. 
7The Neo Money™ card is a prepaid Mastercard® issued by Equitable Bank pursuant to license by Mastercard International Incorporated. The time it takes for the loan to appear in the Neo Money™ account may vary. 6Subject to loan eligibility and lender approval. Internet access required standard data rates apply to download and use mobile app. The time it takes for the loan to appear in your Neo Money™ account may vary. 5NETFILE accepts returns starting February 20, 2023. 4Internet access required standard data rates apply to download and use mobile app. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca. Deposits held in Neo Money™ accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor. The Neo Money™ account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. The loan amount maximum is subject to change. 3The time it takes for the loan to appear in your Neo Money™ account may vary. Subject to loan eligibility and lender approval. Your credit score may be impacted if the loan is not repaid in full by the end of the term. Term of loan is from loan agreement effective date to the earlier of the date you receive your tax refund from the CRA or 65 days. 
2The loan is a 0% APR loan with no loan fees.1Average time to receive funds is between 0-30 minutes.
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