Refund Advance loan

Up to $3,500 could be yours within minutes of filing.

Apply for a Refund Advance loan at the end of your tax prep, and you could get up to $3,500 the same day you file.

Why people love Refund Advance.

How it works:

step 1

Available for a limited time each year.

The Refund Advance loan is available Jan. 3 – Feb. 28, 2023. You could get money you need within minutes of filing.

step 2

Apply with your tax pro.

File your taxes, then your pro will walk you through the application process. Don’t worry, your credit score won’t be impacted.

step 3

Access funds the day you file.

If approved, loan funds will be loaded onto an H&R Block Emerald Prepaid Mastercard®, which you can use wherever Debit Mastercard is accepted.

step 4

Don’t pay until your refund arrives.

You can wait to repay your loan until the IRS delivers your refund. When it’s time to repay it, we’ve got options.

Your tax prep comes with built-in reassurance.

Max Refund Guarantee

If you find a bigger refund somewhere else, your tax prep is on us.

Upfront transparent pricing

Our No Surprise Guarantee means you know the price of tax prep before you begin.

Experienced tax pros

Our pros have an average of 10 years’ experience handling even the most unique tax situations.

Refund Advance FAQs

Refund Advance is a no-interest loan that is repaid with your tax refund. Apply between Jan. 3, 2023 and Feb. 28, 2023. If approved, a loan will be issued in one of five amounts ($250, $500, $750, $1,250, $3,500). Refund Advance is a loan issued by Pathward, N.A., Member FDIC; it is not your tax refund.

The Refund Advance loan is available in participating H&R Block offices beginning Jan. 3, 2023 through Feb. 28, 2023.

The lender, Pathward, N.A., offers you the opportunity to determine if you prequalify to apply for the Refund Advance loan. This means that Pathward will evaluate whether you are eligible to apply based, in part, on your tax situation from last year and certain other 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 tax return.

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

You first must meet certain eligibility requirements such as e-filing a tax return through a participating H&R Block office, expecting a sufficient refund by the IRS and providing appropriate identification.

You then submit an application to Pathward, the lender. The bank will evaluate your application based on standard underwriting criteria and will make 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 loan.

The Refund Advance loan proceeds will be placed on an H&R Block Emerald Prepaid Mastercard®.

Learn more about Emerald Card®

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 automated clearing house (ACH) from your Card Account for no fee.

Learn more about Emerald Card®

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

Refund Transfer: 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.)

Repayment Account: If you do not select a Refund Transfer, you direct the loan to be repaid from your Refund Account and the remaining amount will be loaded to your Emerald Card. There is no cost for the Repayment Account.

File how you want with H&R Block.

File with a tax pro.

Our tax pros are trained to get you every credit and deduction you deserve. You can request to work with the same tax pro year after year so we can get to know you and your unique tax situation.

Starting at File with a tax pro. $ $85

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