This is kind of correct, but a bit misleading. It's an advance (loan) against a credit that will be applied to your 2020 taxes. So if you could somehow decli

This is kind of correct, but a bit misleading. It's an advance (loan) against a credit that will be applied to your 2020 taxes. So if you could somehow decline the stimulus check, you could then apply the credit to your 2020 tax bill next April. But there is no path by which you'd repay it as a loan received. - If you were getting a $0 tax bill, you'll still have a $0 tax bill - If you owed $1500, you'd still owe $1500. - If you overpaid 1500, you'd still get a $1500 refund.