0% Interest Tax Refund Advance Loan


Starting Jan. 4 you could get a Refund Advance1 loan up to $3,500 the day you file

Why wait for your refund. File your taxes with H&R Block and you could get a Refund Advance loan up to $3,500 with no interest.

Let’s see if you prequalify to apply; here’s what you’ll need:

Your Social
Security numberSSN

Last year’s tax
refund amount

ContactPersonal contact
infoinformation

Tell us a little about you

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This field is required. Please enter a valid SSN (9 digits).

What was your Federal
tax refund last year?

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Tell us how to reach 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 MetaBank®, N.A., the lender for Refund Advance. To use the Prequalification Service, you authorize H&R Block to send your information to MetaBank and for MetaBank 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 MetaBank 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. "Emerald Card®" means the H&R Block Emerald Prepaid Mastercard® issued by MetaBank.
    2. "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.
    3. "H&R Block" means HRB Tax Group, Inc., its successors, affiliates, third-party service providers, or the franchisees of any of them, as applicable.
    4. "MetaBank," "We", "Us", or "Our" means MetaBank, National Association and its successors, affiliates, third-party service providers (including, without limitation, Emerald Financial Services, LLC) or assignees, 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 MetaBank 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 MetaBank 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. 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 Prequalification 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 MetaBank 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 prequalification 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 2020 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 with MetaBank. 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. We reserve the right to not offer the Refund Advance during the 2021 tax season, offer in a modified manner, or to discontinue the Refund Advance at any time.
    7. Fees. There are no fees charged by MetaBank or H&R Block for your use of the Prequalification Service. However, fees may be charged by third parties, such as 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 MetaBank and you become a customer of MetaBank. MetaBank 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. Data Sharing. You authorize H&R Block to send the information you provide on the Website and other relevant data to MetaBank, and MetaBank to return the result to H&R Block, so that the result may be provided to you
  7. ARBITRATION IF A DISPUTE ARISES ("Arbitration Agreement")
    1. Scope of Arbitration Agreement. You and the Covered Parties agree that all disputes and claims between you and the Covered Parties shall be resolved through binding individual arbitration unless you opt out of this Arbitration Agreement using the process explained below. However, to the fullest extent permitted by applicable law, either you or the Covered Parties may elect that an individual claim be decided 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 arbitrability of disputes and the validity, enforceability, and scope of this Arbitration Agreement, including the interpretation of Paragraph 7.4 below, shall be decided by a court and not an arbitrator. The term "Covered Parties" in this Arbitration Agreement includes MetaBank; H&R Block; Emerald Financial Services, LLC; their direct or indirect parents, subsidiaries, and affiliates; and the predecessors, successors, officers, directors, agents, employees and franchisees of any of them.

      Arbitration Opt Out: You may opt out of this Arbitration Agreement within 60 days after you accept this Prequalification Agreement by filling out the form at www.arbitrationoptout.com/metabank, or by sending a signed letter to MetaBank Arbitration Opt Out, P.O. Box 5846, Kansas City, MO 64171. The letter should include your printed name, address, the first five digits of your Social Security Number, and the words "Reject Arbitration." If you opt out of this Arbitration Agreement, any prior arbitration agreement shall remain in force and effect.

    2. Pre-Arbitration Notice of Dispute A party who intends to seek arbitration must first mail a written Notice of Dispute ("Notice") to the other party. The Notice to the Covered Parties should be addressed to: EFS-Legal Department, Attention: Notice of Dispute, 1301 Main Street, Kansas City, MO 64105. The Notice must be on an individual basis and provide at least the following information: (a) your name, telephone number, and e-mail address; (b) the nature or basis of the claim or dispute; and (c) the specific relief you seek. If the dispute is not resolved within 60 days after the Notice is received, then you or the Covered Parties may file an arbitration. The existence or substance of any settlement discussions shall not be disclosed.
    3. 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. AAA Rules are available on AAA's website www.adr.org, or by calling AAA at (800) 778-7879. If AAA is unavailable or unwilling to hear the dispute, the parties shall agree to, or the court shall select, another arbitration provider. Unless the parties agree otherwise, any arbitration hearing shall take place in the county of your residence.
    4. 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 or any particular request for a remedy for a claim (such as a request for public injunctive relief), then only that particular claim or only that particular request for a remedy (and only that particular claim or particular request for a remedy) 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.
    5. Arbitration costs. Payment of all filing, administrative, arbitrator, and hearing fees will be governed by AAA’s rules, but if you inform us that you cannot afford to pay your share of the fees, we will consider advancing those fees on your behalf. In addition, we will reimburse you for your share of the fees at the conclusion of the arbitration unless (i) you have failed to comply with the notice of dispute requirements in paragraph 7.2 above, (ii) your claim was brought or maintained in violation of paragraph 7.4 above, or (iii) either the substance of your claim or the relief you seek is frivolous or brought for an improper purpose as measured by the standards set forth in Federal Rule of Civil Procedure 11(b), in which case the payment of fees will be governed by AAA rules and you agree to reimburse the Covered Parties for all fees advanced on your behalf.
    6. Other terms. 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 above, if any portion of this Arbitration Agreement is deemed invalid or unenforceable, it will not invalidate the remaining portions of the Arbitration Agreement. No arbitration award or decision will have any preclusive effect as to any issues or claims in any dispute, arbitration, or court proceeding where any party was not a named party in the arbitration, unless and except as required by applicable law. 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. 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. Except as provided in the Arbitration Agreement in Section 7, 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 South Dakota will apply, except to the extent inconsistent with or preempted by federal law.
    2. Entire agreement. Except as provided in the Arbitration Agreement in Section 7, this Prequalification Agreement is the entire agreement that governs the Prequalification Service related to your tax return for the 2020 tax year 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.

We can't verify you at the present time.

Congratulations, you are prequalified to apply!

Schedule a one-on-one at your local H&R Block office. Stop by to file, confirm your eligibility & complete a loan application.

Prequalify Online

You’re officially prequalified to apply. Just two steps left.

Make an appointment

Next, schedule a one-on-one at your local H&R Block office.

Meet with a tax pro

We’ll file together, confirm your eligibility and complete a loan application.

We cannot prequalify you at this time…

…but that doesn't mean you won't be eligible. Sometimes we just need more info. Make an appointment today to discuss your situation with a tax pro and take the next steps.

We couldn’t find a participating office in your area.

Please revise your search to find another office.

1 - 2 - 3 and this tax advance loan could be yours

STEP 1

Work with a tax pro & apply

You could get up to $3,500 with 0% interest, the day you file with a Refund Advance 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 the day you file

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

Get your Refund Advance and much more on one convenient card.

Your Emerald Card® means more than just easy access to your refund loan proceeds. You can use it 365 days a year to pay your bills3, get cash at an ATM4, and get cash back with purchases made at many stores5. Oh, and if your money runs out, you can even add funds to keep spending.
Learn more

Frequently Asked Questions


The Refund Advance is a no-interest loan that is repaid with your tax refund. It’s available from Jan. 4, 2021 to Feb. 28, 2021, to H&R Block clients by MetaBank®, N.A. Member FDIC, and available in five loan amounts ($250, $500, $750, $1,250, $3,500). The Refund Advance is a loan; it is not your tax refund.

The Refund Advance is available in participating H&R Block offices beginning Jan. 4, 2021 through Feb. 28, 2021.

This process provides you with an opportunity to see if you prequalify to apply for the Refund Advance loan. This means MetaBank, 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 tax return.

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 e-filing a tax return at a participating H&R block office, expecting a sufficient refund by the IRS and provide appropriate identification. You then submit an application to MetaBank, 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 Transfer 6 – 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®.