Fast Money Options
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Classic Refund Anticipation Loan
If you don't need money today, you could get money in as
little as 24 hours if you're approved for a Classic Refund Anticipation Loan (Classic RAL).¹
This year you could save up to 40% on the cost of a Classic RAL* when you load it on an
H&R Block Emerald Prepaid MasterCard®.
The H&R Block Emerald Card can save you money, add convenience, and can be safer than carrying
cash. Plus, your H&R Block tax preparation fees are paid out of the loan, so you pay nothing
out-of-pocket.
* Savings vs. last year's fees vary and are not available on all
loan amounts. Lower savings available with Instant Money Refund Anticipation Loans.
Learn More
Refund Anticipation Check
Your tax preparation and bank fees are deducted from your refund, meaning no out-of-pocket expenses for you.
Plus, you can receive the balance of your refund as a check or direct deposit in approximately 8
to 15 days.³
Learn More
Get Ready for Tax Time
Your personal H&R Block tax professional is ready to make tax time easy. Start planning with our
money-saving tips and get an estimate of your tax refund. Be sure to come back to H&R Block to
file your taxes, too.
Call 1-800-HRBLOCK for available locations
-Or-
Find a Participating Office
Keep more of your money.
Instead of a loan check, put your loan on the new H&R Block Emerald Prepaid MasterCard®.
It's lower-cost and convenient, and is safer than carrying cash.Learn More
¹ Subject to credit approval. Credit provided by HSBC Bank USA, N.A.,
or HSBC Trust Company (Delaware), N.A. An account fee and a finance charge are charged by the
lender. Amount received may be reduced by debt owed for a prior refund anticipation loan and fees
owed to H&R Block. At participating offices. Those who e-file with direct deposit typically
receive refunds in 8-15 days.
³ Provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.
³ Provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.