Can you still get a Tax Refund Anticipation Loan - RAL if you owe taxes?

More than likely not. Red flags will be raised. A RAL is a loan from a bank, not the government but unfortunately for you and anyone else who owes the government indicators will mark you. Banks who provide these loans are linked with the IRS database on who owes taxes. Banks will also refuse RAL for first time filers also. Your best bet is to wait out the required time. This may take 6-8 weeks or longer. The IRS wants it's money so pay it with that refund. It's better than having your wages garnished.