Tax refund loans have declined 25% over the last two years, according to ConsumerAffairs.com. Today only 9 million people get ripped off this way each tax season. These loans are heavily advertised in low- and moderate-income neighborhoods and they come with exorbitant interest rates. Clark wishes the numbers were down to 0, but the trend is moving in the right direction. But it's not time to let your guard down just yet this tax season. Now comes word that refund loans are also being offered for your government rebates. Clark's advice is simple: Don't do it. Wait until your money comes either by direct deposit or in the mail.