0% Interest Tax Refund Loan


You could get a Refund Advance LoanDisclaimer number 1. Scrolls to disclaimer. up to $3000

in January when you file your taxes with H&R Block.

Why wait weeks for your refund? With a Refund Advance, you could get money the day you file.

See if you prequalify now! Congratulations, you are prequalified to apply!* Sorry, we cannot prequalify you to apply for the Refund Advance loan at this time.

Make A Tax Appointment To Get Started

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See if you Prequalify now!

Find out in minutes with no impact to your credit score.

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Make A Tax Appointment

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Let’s find out if you prequalify to apply:

If you submit your information, it will be analyzed to determine if you would be eligible to apply for the Refund Advance loan based on your tax situation from last year and certain eligibility criteria as set by BofI Federal Bank, Member FDIC, the lender for Refund Advance. This offer is not guaranteed — if your tax situation or other relevant inputs change, your prequalification to apply could change. Please note that you are not applying for the Refund Advance loan at this time.

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Just need a little more information from you:

What was the actual amount received from your Federal tax refund last year?

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Did the government reduce your refund last year due to overdue child support, back taxes, outstanding student loans, or any other reason, or do you expect any reduction this year?

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Just need a couple of other pieces of information from you:

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Please review the terms:

PREQUALIFICATION TERMS AND CONDITIONS

Important Information: H&R Block is not the lender for the Refund Advance loan and does not determine the result of the Prequalification Service. H&R Block is facilitating the Service on behalf of BofI Federal Bank, the lender for Refund Advance. To use the Prequalification Service, you authorize H&R Block to send your information to BofI Federal Bank, and for BofI Federal Bank to return the result to H&R Block, so that the result may be provided to you.

  1. Introduction

    This document (the "Prequalification Terms and Conditions" or "Prequalification Agreement") is a contract between you and BofI Federal Bank that governs your use of the Prequalification Service. Please take time to carefully read and understand this Prequalification Agreement, which includes a binding arbitration agreement in Section 7 that requires resolution of disputes by individual arbitration rather than by jury trials or class actions.
  2. Definitions. The words used in this Prequalification Agreement have the following meanings:
    1. "BofI," "We", "Us", or "Our" means BofI Federal Bank, and its successors, affiliates, third-party service providers (including, without limitation, Emerald Financial Services, LLC) or assignees, as applicable.
    2. "Emerald Card®" means the H&R Block Emerald Prepaid Mastercard® issued by BofI.
    3. "Equipment" means the equipment you use to access the Prequalification Service, including but not limited to mobile devices such as a cellular phone, smart phone or tablet; personal computers such as a desktop computer or a laptop computer; or other devices used to access the Prequalification Service.
    4. "H&R Block" means HRB Tax Group, Inc., its successors, affiliates, third-party service providers, or the franchisees of any of them, as applicable.
    5. "Prequalification Agreement" or "Prequalification Terms and Conditions" means this contract that governs your use of the Prequalification Service.
    6. "Prequalification Service" or "Service" is the banking service offered by BofI on the Website that allows you to determine whether you would be eligible to apply for the Refund Advance, based on your self-reported tax situation from last year and other information.
    7. "Refund Advance" means an optional tax refund-related loan that is offered by BofI to certain H&R Block clients at the time of tax preparation.
    8. "Website" means the website operated by H&R Block, available at www.hrblock.com
    9. "You" and "Your" refers to each person who accesses the Prequalification Service.
  3. These Terms and Conditions
    1. This Prequalification Agreement. By using the Prequalification Service, you are agreeing to all terms and conditions in this Prequalification Agreement. You represent that you are lawfully able to enter into this agreement.
    2. Electronic Delivery. You understand that this Prequalification Agreement and the Prequalification Service are provided electronically. You agree to enter into this Prequalification Agreement, and to use the Prequalification Service, electronically.
  4. Prequalification Service
    1. Nature of Service. The Prequalification Service is a service offered by BofI on the Website that allows you to determine whether you would be eligible to apply for the Refund Advance based on information you provide about your tax situation from last year and other information. This Service is provided for your convenience and at your request.
    2. Accuracy of Information. You understand that the Prequalification Service is based primarily on information you provide. You represent that all information you provide is true, complete and accurate. You also represent that you are the owner of the information and you have the right to provide it to us. You understand that any offer to apply is based in part on information you provide and if the information you provide is inaccurate or incomplete, any prequalification to apply could change.
    3. No Guarantee. Any result you receive from the Prequalification Service is not guaranteed. If you are prequalified to apply, this prequalification to apply could change for a variety of reasons, including changes in your tax situation, changes in the information that you provided, or other factors. It is also not a guarantee that you will ultimately be approved for the Refund Advance; approval is subject to your submission of an application and underwriting by us. Approval of any application is at our sole discretion.
    4. No Application. By going through the Prequalification Service, you are not submitting an application for the Refund Advance. To apply for the Refund Advance, you must have your 2017 tax return prepared and e-filed in a participating H&R Block office during the Refund Advance offer period, pass the eligibility criteria at the time of tax preparation (including having a sufficient refund amount, meeting the ID requirements and providing certain consents) and submit an application.
    5. No Obligation. You understand that your use of the Prequalification Service is entirely voluntary, and your use of the Service does not obligate you in any way to use H&R Block to prepare your taxes or to apply for a Refund Advance. If you choose to apply for a Refund Advance at the time of tax preparation, you may be approved even if you did not use the Prequalification Service.
    6. Refund Advance. The Refund Advance loan will be available in participating H&R Block offices for a limited time only and is subject to various terms and conditions, as explained more fully on the Website. To qualify for a Refund Advance, you must meet certain eligibility criteria, including your willingness to receive your loan proceeds on the Emerald Card. You must also submit an application, and be approved by us, for which there is no guarantee as explained above.
    7. Fees. There are no fees charged by BofI or H&R Block for your use of the Prequalification Service. However, fees may be charged by third parties, including standard text message and data rate charges and similar fees from your internet or mobile service provider.
    8. Modification or Termination of Prequalification Service. The Prequalification Service may not be available at all times. We reserve the right to modify or terminate the Prequalification Service at any time.
  5. Your Equipment
    1. Your use of the Service with your Equipment. You understand that you must use the Service with Equipment that you select. It is your responsibility to make sure you can properly use your Equipment and to determine if your Equipment will support your use of the Service. You represent that you are an authorized user of your Equipment. You are responsible for ensuring the Equipment you use is free from programs such as viruses or malware, and you agree that we are not responsible or liable for any such programs.
    2. User Security. You agree to take every reasonable precaution to ensure the safety, security and integrity of the information you provide while using the Prequalification Service. You agree you will not leave your computer unattended while accessing the Service.
  6. Your Privacy and Consent to Share Certain Information
    1. Privacy Notice. By using the Prequalification Service, you are providing your information to BofI and you become a customer of BofI. BofI may use or disclose this information in accordance with its privacy notice and applicable law. The Bank's Privacy Notice is available at https://www.hrblock.com/financial-services/privacy-statement.html.
    2. Authorizations. You authorize:
      1. H&R Block to send the information you provide on the Website and other relevant data to BofI, and BofI to return the result to H&R Block, so that the result may be provided to you;
      2. BofI to contact and disclose your information to, and obtain information from, the U.S. Department of the Treasury Offset Program, administered by the Bureau of the Fiscal Service's Debt Management Services, on your behalf in connection with Refund Advance; and
      3. BofI (or H&R Block on BofI's behalf) to deliver to your cellular phone text messages regarding Refund Advance using an automatic system. You are not required to have a cellular phone or provide us with your cellular phone number as part of the Prequalification Service. Standard text message and data rates of your cellular provider may apply.
  7. ARBITRATION IF A DISPUTE ARISES ("Arbitration Agreement")
    1. Scope of Arbitration Agreement. All disputes and claims between you and any one or more of the Covered Parties (as defined below) shall be resolved through binding individual arbitration unless you opt out of this Arbitration Agreement using the process explained below. However, either you or the Covered Parties may bring an individual claim in small claims court, as long as it is brought and maintained as an individual claim. All issues are for the arbitrator to decide, except that issues relating to the validity, enforceability, and scope of this Arbitration Agreement, including the interpretation of Paragraph 7.3 below, shall be determined by the court and not the arbitrator. For purposes of this Arbitration Agreement, the term "Covered Parties" shall include BofI; H&R Block; Emerald Financial Services, LLC; as well as any of their direct or indirect parents, subsidiaries, and affiliates. This term also includes the predecessors, successors, officers, directors, agents, employees and franchisees of any of them.

      Right to Opt Out of This Arbitration Agreement: You are not required to accept arbitration even though you must accept this Prequalification Agreement to use the Prequalification Service. You may opt out of this Arbitration Agreement within the first 60 days after you accept this Prequalification Agreement by fully filling out the form found at www.arbitrationoptout.com/bofi, or by sending a signed letter to BofI Arbitration Opt-Out, P.O. Box 5846, Kansas City, MO 64171. The letter should include your printed name, the first five digits of your Social Security Number, state, zip code, and the words "Reject Arbitration." If you opt out of this Arbitration Agreement, any prior arbitration agreement shall remain in force and effect.

    2. How arbitration works. Either party may initiate arbitration, which shall be conducted by the American Arbitration Association ("AAA") pursuant to its Consumer Arbitration Rules ("AAA Rules"), as modified by this Arbitration Agreement. The AAA Rules are available on the AAA's website www.adr.org, or by calling the AAA at (800) 778-7879. In the event the AAA is unavailable or unwilling to hear the dispute, the parties shall agree to, or the court shall select, another arbitration provider. Unless you and the Covered Parties agree otherwise, any arbitration hearing shall take place in the county of your residence. We encourage you to call 1-866-353-1266 in advance of filing a claim for arbitration to see if the dispute can be resolved prior to arbitration.
    3. Waiver of right to bring class action and representative claims. All arbitrations shall proceed on an individual basis. The arbitrator is empowered to resolve the dispute with the same remedies available in court, including compensatory, statutory, and punitive damages; attorneys' fees; and declaratory, injunctive, and equitable relief. However, any relief must be individualized to you and shall not affect any other client. The arbitrator is also empowered to resolve the dispute with the same defenses available in court, including but not limited to statutes of limitation. You and the Covered Parties also agree that each may bring claims against the other in arbitration only in your or their respective individual capacities and in so doing you and the Covered Parties hereby waive the right to a trial by jury, to assert or participate in a class action lawsuit or class action arbitration, to assert or participate in a private attorney general lawsuit or private attorney general arbitration, and to assert or participate in any joint or consolidated lawsuit or joint or consolidated arbitration of any kind. If a court decides that applicable law precludes enforcement of any of this paragraph's limitations as to a particular claim for relief, then that claim for relief (and only that claim for relief) must remain in court and be severed from any arbitration. The Covered Parties do not consent to, and the arbitrator shall not have authority to conduct, any class action arbitration, private attorney general arbitration, or arbitration involving joint or consolidated claims, under any circumstance.
    4. Arbitration Costs. The Covered Parties will pay all filing, administrative, arbitrator and hearing costs. The Covered Parties waive any rights they may have to recover an award of attorneys' fees and expenses against you.
    5. Other terms & information. This Arbitration Agreement shall be governed by, and interpreted, construed, and enforced in accordance with, the Federal Arbitration Act and other applicable federal law. Except as set forth in this Arbitration Agreement, if any portion of this Arbitration Agreement is deemed invalid or unenforceable, it will not invalidate the remaining portions of the Arbitration Agreement. Notwithstanding any provision in this Prequalification Agreement to the contrary, the Covered Parties will not make any material change to this Arbitration Agreement without providing you with an opportunity to reject that change by following the directions provided. Rejection of any future change will not impact this or any prior Arbitration Agreement to which you have agreed.
  8. General Provisions Relating to this Prequalification Agreement
    1. Governing law. This Prequalification Agreement is governed by, interpreted, construed, and enforced in accordance with federal law. To the extent state law applies, the law of the state of Nevada will apply, except to the extent inconsistent with or preempted by federal law.
    2. Entire agreement. This Prequalification Agreement is the entire agreement that governs the Prequalification Service and supersedes all previous communications, representations, or agreements.
    3. Severability. Except as provided in the Arbitration Agreement in Section 7, if any provision of this Prequalification Agreement is found to be invalid or unenforceable under applicable law, the remaining provisions of this Prequalification Agreement will remain operative and in full force and effect.
    4. No Waiver. We will not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing. No delay or omission on the part of us in exercising any rights will operate as a waiver of any rights or remedies. A waiver on any one occasion will not be construed as a waiver on other occasions.


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Here’s what you need to apply in three easy steps:

Make Your Tax Appointment

Make your tax appointment with an H&R Block tax professional.

Confirm Your Eligibility to Apply

After completing your taxes and confirming your eligibility to apply, complete the Refund Advance loan application.

Get Notification of Loan Decision

Receive a text or email from the lender with a loan decision.

*Important Information: You have not applied for the Refund Advance loan at this time. This offer to apply is not guaranteed. If your tax situation changes, your prequalification to apply could change.

This offer to apply is based in part on information you provided. If the information you provided is inaccurate, your prequalification to apply could change. To be eligible to apply you must e-file a 2017 tax r eturn with H&R Block, meet the eligibility criteria at the time of tax preparation (including having a sufficient refund amount and meeting the ID requirements), and provide certain consents, including that the loan proceeds be placed on a prepaid card. Approval for the loan is not guaranteed and will be contingent on y our submission of an application and the lender's decision. Other terms and conditions apply.

While we are unable to prequalify you to apply today, depending on your tax situation and other factors, you may still be eligible to apply when you complete your tax return. Schedule an appointment today.

Starting in January, you could get a tax refund advance at Block.

Up to $3000

0% Interest

High Approval Rates


Here’s how it works


Make your tax appointment with an H&R Block tax professional.

After your taxes are prepared and if eligible, complete the Refund Advance application.

If approved, you will receive a text or email with the loan amount, typically that same day.

Then, the funds will be available on your H&R Block Emerald Prepaid Mastercard®!Disclaimer number 2. Scrolls to disclaimer.

You’re going to be happy. We guarantee it.


Maximum Refund Guarantee

If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), we'll refund the tax prep fee for that return and file an amended return at no additional charge. Refund claims must be made during the calendar year in which the return was prepared.

The H&R Block Guarantee

If H&R Block makes an error on your return, we'll pay resulting penalties and interest.

Satisfaction Guarantee

We're so certain you'll be satisfied with the tax preparation services at our offices, you only pay us if you accept your return.Disclaimer number 3. Scrolls to disclaimer.

  • “Best tax preparer, by far.”

    “When I got married, my husband talked me into going to H&R Block. It took one visit and I was hooked. Best service, easy to understand, and it's not nearly as long as doing it yourself. I won't go anywhere else. Did I mention their Refund Advance loan? It's awesome!”

    @Shyanna, February 10, 2017

  • “Best place for taxes!”

    “This years Refund Advance was a no brainer with the zero interest! We love knowing our taxes are done correctly and we have protection.”

    @Ryan, February 7, 2017

Frequently Asked Questions


The Refund Advance is a no-interest loan that is repaid with your tax refund. It is offered to H&R Block clients by BofI Federal Bank, Member FDIC, and available in four loan amounts ($500, $750, $1250, $3000). The Refund Advance is a loan; it is not your tax refund.

The Refund Advance will be available in participating H&R Block offices beginning Jan. 5, 2018 and ending Feb. 28, 2018.

Select "See if I prequalify" on the screen above and follow the steps to complete the process.

This process provides you with an opportunity to see if you prequalify to apply for the Refund Advance loan. This means BofI Federal Bank, the lender for Refund Advance, will evaluate whether you are eligible to apply for the Refund Advance loan based in part on your tax situation from last year and certain eligibility criteria determined by the bank. This offer is not guaranteed, so if your tax situation or other relevant inputs change, your prequalification to apply could change. By going through the prequalification process, you are not applying for the Refund Advance loan; you must still pass the eligibility criteria and submit an application at the time you file your 2017 tax return.

You have to file your taxes in an H&R Block office to be eligible to apply, so you can start by making an appointment today!

It's simple! Have your taxes prepared by one of our tax professionals in a participating H&R Block office. Tell your tax pro that you want to apply for the Refund Advance. You must pass certain eligibility requirements (such as having a sufficient refund amount and ID verification) and complete the application. If approved, the bank will notify you with the approved loan amount typically the same day you apply.

You must have your taxes prepared in a participating H&R Block office to apply for the Refund Advance.

No, the Refund Advance will not speed up or delay your refund in any way.

The Refund Advance is a 0% APR loan. There are no finance charges and no loan fees charged for the Refund Advance.

You first must meet certain eligibility requirements such as having a sufficient tax refund from the IRS, and provide appropriate identification. You then submit an application to BofI Federal Bank, the lender. The bank will evaluate your application based on standard underwriting criteria and makes the decision to approve or deny your application.

No. The bank may review your credit report as part of your application, but the review will not impact your credit score.

If your application is approved, in most cases the funds will be available the same day you apply for the Refund Advance.

The Refund Advance loan proceeds will be placed on the H&R Block Emerald Prepaid Mastercard®. Learn more about the Emerald Card® here.

No, the sole disbursement option for the Refund Advance loan proceeds is the Emerald Card. The Emerald Card allows a one-time transfer of funds by check or ACH from your Card Account for no fee. You can find out more about Emerald Card here.

You will choose a method of repayment at the time of tax preparation. They include the following:

  • Refund TransferDisclaimer number 4. Scrolls to disclaimer. – The loan will be repaid from your Refund Account, along with tax preparation fees and other amounts you authorize. The remaining funds will be delivered via the disbursement method chosen during tax preparation – Emerald Card, direct deposit or check. (It is not required to purchase a Refund Transfer to apply for or receive the Refund Advance; it is entirely optional.)
  • Emerald Card – If you do not select a Refund Transfer, you direct the loan to be repaid from your refund and the remaining amount will be loaded to your Emerald Card.