Emerald Advance^®
Line of Credit^{Disclaimer number115. Scroll to bottom of page.}

The Emerald Advance 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.

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

Use it year-round

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

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. Enroll to receive your statements electronically and you'll be entered into our monthly sweepstakes for a chance to win $500 through April 2015^{Disclaimer number136. Scroll to bottom of page.}. Learn more
Your account is also accessible through the Emerald Card Mobile Banking App^™

Payback is easy

Minimum monthly payment of $25 or 4% of the outstanding balance, if greater. Balance due in full by February 15, 2015.

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

Check or debit card
Transfer from Emerald Card
Cash payment at MoneyGram^® or 7-Eleven^® locations ($2.99 service charge applies)
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.

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