WASHINGTON, DC (WUSA) -- Consumer advocates want taxpayers to beware of a new and more expensive version of those Refund Anticipation Loans.

Federal regulators did crack down on the RLA's from banks. But some tax preparers and cash advance stores offer loans that charge typical interest rate of 36 percent.

In some cases, companies will pay customers a portion of their tax refund and keep the rest for themselves.

Consumer advocates say ttese loans are simply not worth it.

They recommend that you save your money, file online and choose direct deposit.

TheInternal Revenue Service andAARP offer free tax preparation services for low income taxpayers.

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