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0% Interest Tax Refund Advance Loan

The Refund Advance loan is no longer available.
You can still get your maximum refund when you file at Block.

Make a Tax Appointment

Get the Most from Our Pros

10 yrs average
experience

Over 100 hours
of training

Find money
others miss

STEP 1

Meet with a Tax Pro & apply

You could get up to $3000 the day you file with a Refund Advance 0% interest loan.

STEP 2

Same day approvals

If you’re approved, you’ll get a text or email with your tax refund advance loan amount.

STEP 3

Access money immediately

Funds will be available on your
H&R Block Emerald Prepaid Mastercard^®! ²

SHEILA

Friendly and knowledgeable

Wait time was short and the refund advance was on my Emerald Card by the time I left the office. I have used H&R Block for many many years and will continue to do so in the future. Staff is very friendly and helpful.

YADIRA

Tax Services

Refund advance is quick and easy, the whole process is smooth and clear.

Frequently Asked Questions

What is the Refund Advance?

The Refund Advance is a no-interest loan that is repaid with your tax refund. It was available from Jan. 4, 2019 to Feb. 28, 2019, to H&R Block clients by Axos Bank^®, Member FDIC, and was available in four loan amounts ($500, $750, $1250, $3000). The Refund Advance is a loan; it is not your tax refund.

When is the tax Refund Advance loan available?

The Refund Advance was available in participating H&R Block offices from Jan. 4, 2019 through Feb. 28, 2019.

How much does it cost?

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

What are the criteria for approval?

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 Axos Bank, the lender. The bank will evaluate your application based on standard underwriting criteria and makes the decision to approve or deny your application.

Will Refund Advance affect my credit score?

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

How quickly will I get the money if I am approved?

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

How do I get the money if I am approved?

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

Can I have the tax advance transferred directly to my bank account?

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.

How do I repay the Refund Advance if I am approved?

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

Refund Transfer ⁴ –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.