Use Your Tax Refund to Drive Off Today - File & Drive with TaxMax and Guaranteed Auto Sales

How the File & Drive Program Works

1. Bring your documents: Prior-year tax return(s), a recent W-2 or pay stub, and income verification.
2. Get your refund estimate: TaxMax reviews your information and estimates your anticipated refund.
3. Secure a refund-advance: TaxMax works with its lender to provide an anticipated refund loan based on your verified info.
4. Use it as your down payment: Apply the advance toward a vehicle from Guaranteed Auto Sales.
5. Drive off today: When your refund arrives, it pays off the advance per your lender agreement.

It's a streamlined, same-day path from "tax paperwork" to "keys in hand."

Why Rhode Island Drivers Choose File & Drive

• Lower cash up front: Convert your expected refund into the down payment you need now.
• Fast turnaround: A clear, guided process-many customers drive home the same day.
• Approvals for more credit profiles: Guaranteed Auto Sales specializes in flexible financing solutions for credit-challenged buyers.
• Budget clarity: See how your refund-based down payment shapes your monthly payment-no surprises.

Our mission is simple: pair you with a reliable vehicle and a payment plan you can comfortably afford.

Who the Program Is Right For

This program is designed for:

• Rhode Island residents who need a car now but don't have a large cash down payment saved.
• W-2 earners with recent pay stubs and prior tax filings to verify refund history.
• Credit-challenged buyers seeking a dependable vehicle and a chance to build positive payment history.
• Drivers throughout Providence, Cranston, Warwick, Pawtucket, Johnston, North Providence, and nearby communities.

What to Bring

• Prior-year federal tax return(s) and related documents
• Recent W-2 or pay stub showing current income
• Valid Rhode Island driver's license or state ID
• Proof of RI residence (utility bill, lease, or similar)
• Readiness for any minimum cash down payment the lender may require in addition to the refund-advance

Our team will walk you through each step, coordinate your refund estimate and advance with TaxMax, and help you choose the right car from our inventory.

Choosing the Right Vehicle & Budget

At Guaranteed Auto Sales, we emphasize smart budgeting and long-term value. We'll help you:

• Align your refund-advance with your ideal monthly payment.
• Compare vehicles that fit your price range and driving needs.
• Understand total ownership costs (insurance, registration, routine maintenance).
• Select reliable models with realistic upkeep and fuel costs.

Approval matters, but sustainability matters more-our goal is to match you with a vehicle you can comfortably afford to own.

Build Credit While You Drive

Using File & Drive isn't just about getting on the road today. Making on-time payments can help improve your credit profile over time. Choose a realistic monthly payment, stay consistent, and you could see better borrowing terms in the future.

Serving Drivers Across Rhode Island

From Providence and Cranston to Warwick, Pawtucket, Johnston, and surrounding communities, Guaranteed Auto Sales is here to help you leverage your tax refund to get reliable transportation-fast.

Get Started in Three Easy Steps

1. Pre-qualify online: Start on our website so we can prepare options for you. (Begin here)
2. Bring your documents: W-2 or pay stub, tax return(s), and photo ID.
3. Pick your car & finalize: Complete the refund-advance with TaxMax, choose your vehicle, and drive away today.

Explore inventory & financing at Guaranteed Auto Sales

Keys to a Smooth File & Drive Experience

• Have accurate income and tax documentation ready.
• Set a target monthly payment you're confident you can make on time.
• Ask whether a small cash down payment is required in addition to the refund-advance.
• Review how your anticipated refund affects the loan structure and timeline.
• Choose a vehicle you can insure, maintain, and enjoy-without stretching your budget.

Frequently Asked Questions