Experts Warn of Pitfalls from Instant Tax Refund Loans.

By Paula Burkes Erickson, The Daily Oklahoman Knight Ridder/Tribune Business News

Feb. 15--Kerry Turner, who answers phones at Avery Tax Service in southwest Oklahoma City, is all too familiar with the question "Do you offer the rapid return?" from people who call.

Instead of waiting for the Internal Revenue Service to issue a check on their expected tax refunds, callers want their money now.

With the fastest refund delivery available from the IRS -- electronic filing by computer -- people can receive their refund within two weeks and as soon