The IRS is currently issuing average tax refunds of around $3,034 for qualified individuals who opted for direct deposit.
Those affected by natural disasters may still have time to file beyond the usual April 15 deadline, as the IRS has granted automatic extensions in such cases.
Taxpayers living abroad who submitted their returns by the June 16 deadline might still be waiting for their refunds to show up in their accounts.
Additionally, some people with income below the filing threshold are not required to file a return. However, they may still be eligible for refundable tax credits if all conditions are met.
Who Might Still Qualify for an IRS Refund?
These groups of taxpayers could still receive money back from the IRS:
- Individuals not required to file but who qualify for refundable tax credits
- Taxpayers who filed their return by June 16
- Those who requested an extension to file, with an October 15 deadline (though taxes were due April 15)
- People granted automatic filing and payment extensions due to disasters like wildfires or hurricanes
- Taxpayers experiencing delays because their returns are still under IRS review
If you’re unsure whether you need to file or if you qualify for a refund, visit the IRS’s tool here: https://www.irs.gov/help/ita/do-i-need-to-file-a-tax-return
How Long Does It Take to Get Your IRS Refund?
Typically, the IRS processes refunds in up to 21 days. But if your return is filed electronically, is complete and accurate, and you opted for direct deposit, you could receive your refund in as little as 10 days.
On the other hand, if you mail a paper return and ask for a paper check, the wait time could be much longer. It’s best to avoid this method unless it’s your only option, as it can significantly delay payment.
For example, a tax return filed on June 24 could result in a refund by July 15. If processed in just 10 days, it might arrive by July 4, 2025.
By law, the latest you can claim a federal refund is generally:
- Two years from when you paid the tax, or
- Three years from when you filed your tax return
Whichever is later will apply.
FAQs
Who qualifies for a refund without filing a tax return?
Those earning below the minimum threshold may still get refunds if they meet refundable tax credit requirements.
When is the latest I can claim my IRS refund?
The latest is either two years from tax payment or three years from filing—whichever comes later.
Why is my IRS refund delayed?
Refunds may be delayed if your return is under review or you filed a paper return instead of filing electronically.
How fast is direct deposit compared to a paper check?
Direct deposit typically takes 10–21 days; paper checks can take several weeks longer to arrive.
Shirley is a passionate finance blog writer with a knack for simplifying complex money matters. With a background in personal finance and years of experience in content creation, she helps readers make smarter decisions about budgeting, saving, investing, and financial planning. Shirley's goal is to empower individuals to take control of their finances—one blog post at a time.