Get money quickly and conveniently.
Instant Money Refund Anticipation Loan (IRAL) - You could get money fast when you file your taxes with us and apply for an IRAL. Receive up to the amount of your anticipated federal tax refund (minus bank and H&R Block fees) on an H&R Block Emerald Prepaid MasterCard® or a loan check on the spot after filing your return. Plus, your H&R Block tax preparation fees are paid out of the loan, so you pay nothing out-of-pocket.¹ IRALs are available starting Jan. 11, 2008
Refund Anticipation Loan (RAL) - H&R Block guarantees you'll get the lowest price on a refund anticipation loan when you put it on an H&R Block Emerald Prepaid MasterCard® or your tax preparation is free.² Get the safety and convenience of a card to use anywhere MasterCard debit cards are accepted. RALs are available starting Jan. 11, 2008.
Refund Anticipation Check (RAC) - Pay for your tax preparation fees with your refund. There are no out-of-pocket expenses for you. Plus, you can get the balance of your federal refund on an H&R Block Emerald Prepaid MasterCard, as a check or direct deposit in approximately 8 to 15 days.³ RACs are available starting Jan. 11, 2008.
State Refund Anticipation Check - Get the balance of your state refund on an H&R Block Emerald Prepaid MasterCard, as a check or direct deposit in approximately 8 to 15 days.³ State RACs are available in 42 states for $13 starting Jan. 11, 2008.
E-filing - E-filing (electronic filing) is a method of transmitting your tax return directly to the IRS electronically. You can complete your taxes or file for an extension without sending any paper forms to the IRS. E-filing offers speed, security and accuracy, and helps you get your refund faster. The average refund for an e-filed federal return is generally received within 10 days. The average refund for a traditional return is generally received in 6 to 8 weeks.
Learn more about your refund options.
¹Subject to credit approval and other qualifications. Instant Refund Anticipation Loan ("IRAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. A refund account fee and a finance charge are charged by the lender.
You may not qualify for a full or partial IRAL but may qualify for a classic Refund Anticipation Loan ("RAL") as soon as 1 day later.
Amount received may be reduced by debt owed for a prior RAL and fees owed to H&R Block. At participating offices.
Those who e-file with direct deposit without taking a RAL typically receive refunds in 8-15 days.
²Lowest priced refund anticipation loan ("RAL") available when RAL is loaded on an H&R Block Emerald Prepaid MasterCard®. If you find a lower priced RAL at another tax prep provider we'll prepare your 2007 income tax return for free. RAL price comparisons are based on the finance charge, any charge to establish and administer the account that receives the IRS refund, and any other RAL related charge. Claims must be made by April 30, 2008. RAL subject to credit approval and other qualifications. RAL provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. A Refund Account fee and a Finance Charge are charged by the lender. Amount received may be reduced by debt owed for a prior RAL and fees owed to H&R Block. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refund in 8-15 days. The H&R Block Emerald Prepaid MasterCard® is issued by H&R Block Bank, a Federal Savings Bank, Member FDIC. Fees may apply. At participating offices.
³Provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.
²Lowest priced refund anticipation loan ("RAL") available when RAL is loaded on an H&R Block Emerald Prepaid MasterCard®. If you find a lower priced RAL at another tax prep provider we'll prepare your 2007 income tax return for free. RAL price comparisons are based on the finance charge, any charge to establish and administer the account that receives the IRS refund, and any other RAL related charge. Claims must be made by April 30, 2008. RAL subject to credit approval and other qualifications. RAL provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. A Refund Account fee and a Finance Charge are charged by the lender. Amount received may be reduced by debt owed for a prior RAL and fees owed to H&R Block. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refund in 8-15 days. The H&R Block Emerald Prepaid MasterCard® is issued by H&R Block Bank, a Federal Savings Bank, Member FDIC. Fees may apply. At participating offices.
³Provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.