The short answer is you shouldn`t. An instant refund always sounds like a great idea, you walk in with your taxes and walk out with money in hand, but what you may not know is how much money this could be costing you. Instant refunds require tax preparers to take out significant loans to cover the cost of paying out that money, and are more than happy to pass that cost along to you with a hefty mark-up. Tax preparers that offer instant refunds usually employ less experienced staff which can lead to missing possible deductions or miscalculating your return costing you even more money. At Catherine Barrie Accounting we strive to keep the cost to you as low as possible, which is why we do not offer an instant refund. Usually it only takes the CRA 5-10 days to process your return so you may want to ask yourself, how much are you willing to spend not to wait?