Emerald Advance®
Line of Credit

Stay a step ahead of emergencies or unexpected expenses.

This product is not available in H&R Block Offices at this time.

Get the H&R Block Emerald advance card and get cash rewards.

Stay One Step Ahead of Unexpected Expenses

The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval. Use it year-round for emergencies, car repairs, bills and other credit needs. Only borrow and repay the specific amount you need.

Use it year-round

If approved during the promotional period, you are eligible to maintain your line of credit year-round127. Be prepared when the unexpected occurs.

Benefits of the Emerald Advance

  • Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access.
  • Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose
  • Access to credit year-round

How do I apply?

This product is not available in H&R Block Offices at this time.

How To Use

Accessing funds is easy

  • You could have year-round access to up to $1,000126, loaded on an H&R Block Emerald Prepaid MasterCard. If approved, you can walk out of the office with funds already loaded to your card.
  • At MyEmeraldAdvance.com you can view transactions, make payments and view statements. You can even enroll in electronic statements and will receive a monthly e-mail notification when your statement is available.
  • Your account is also accessible through the Emerald Card Mobile Banking App.

Payback is easy

Only borrow what you need. We have several payment options available – you can pay with cash128, Emerald Card or checking account. You can even pay down the balance on the Emerald Advance with a portion of your tax refund.

Making Payments

Minimum monthly payment of $25 or 4% of the outstanding balance, if greater. Balance due in full by February 15, 2014.

We have several convenient options to make a payment, including:

  • Check or debit card
  • Transfer from Emerald Card
  • Cash payment through MoneyGram or PayNearMe ($2.99 service charge applies)119
  • Tax Refund – For paydown only, not available for monthly payment

Fees

Fees and Terms

  • $45 Annual Fee – Assessed on the day the Emerald Advance is opened
  • 36% Annual Percentage Rate (APR) – Finance charge assessed on the amount drawn from your Emerald Advance
    • 36% APR applies during promotional period and for unsecured lines of credit. For partial savings-secured and full savings-secured lines of credit, the APR is 18% and 9% respectively. For more details, see the Terms & Conditions.
  • $7.50 Late Fee – Payments received after the due date may be assessed a late fee. Assessed monthly, maximum of 5 fees per year.

How do I apply?

This product is not available in H&R Block Offices at this time.

Emerald Advance Auto-Pay Request Form

H&R Block Bank offers an optional automatic payment plan that is a convenient way for you to make each required monthly minimum payment on your Emerald Advance and help you avoid late charges.

Download Now

View Emerald Advance Terms & Conditions

H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® are offered through, and H&R Block Emerald Prepaid MasterCard® is issued by, H&R Block Bank, a Federal Savings Bank, Member FDIC. Line of credit is subject to credit and underwriting approval. Fees apply. If you apply and qualify for an Emerald Advance, H&R Block Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Products offered only at participating offices. MasterCard® is a registered trademark of MasterCard® International Incorporated.

The H&R Block Emerald Card

Use your H&R Block Emerald Prepaid MasterCard and earn cash rewards at stores you love.

Learn More
Learn more - Emerald Card

Emerald Card

Use your Emerald Card to earn cash rewards at the stores you love.

Learn More
Learn more - Emerald Card

Tax Refund Options

H&R Block lets you choose how to get your refund.

Learn More

Find The Right Tax Pro
For Your Tax Needs

Our trained Tax Professionals are ready to help with your taxes any time of the year.


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Find Your Tax Pro

Our Tax Professionals are ready to help with your taxes year round.


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Need Live Support? 1-800-HRBLOCK (1-800-472-5625) or Find An Office Find An Office

Offer Details and Disclosures