Is there any legitimate lending institution who will offer a Return Anticipation Loan and NOT charge too much?

Knowing that there are so many sleezy lenders out there making exorbitant amounts from low-income individuals, it just seems like something that legitimate outfits might negate by offering better loans on this guaranteed income. Does anyone know if any legitimate lending institution has stepped up to offer what the cons have not - a decent loan product based on anticipated tax returns?