You should file your tax return on time even if you can't pay what you owe. This will save you from potentially paying a penalty for a late filed return. Here are a few options if you can’t pay all your taxes by the due date.
File on time and pay as much as you can. You can pay online, by phone, or by check or money order. Visit IRS.gov for electronic payment options.
Get a loan or use a credit card to pay your tax. The interest and fees charged by a bank or credit card company may be less than IRS interest and penalties. For credit card options, see IRS.gov.
Use the Online Payment Agreement tool. You don’t need to wait for IRS to send you a bill before you ask for a payment plan. You can use the Online Payment Agreement tool on IRS.gov or file Form 9465, Installment Agreement Request, with your tax return. You can even set up a direct debit agreement. With this type of payment plan, you won’t have to write a check and mail it on time each month.
Don’t ignore a tax bill. If you get an IRS bill, don’t ignore it as the IRS may take collection action. Contact the IRS right away to talk about your options. If you are suffering financial hardship, the IRS will work with you. Remember to file on time. Pay as much as you can by the tax deadline and pay the rest as soon as you can. Find out more about the IRS collection process on IRS.gov. Also check out IRSVideos.gov/OweTaxes.