Refund Advance

Starting Jan. 4, you could apply for up to $3,500.

You could get a Refund Advance loan  within minutes after you file at H&R Block. Plan ahead and make your appointment today.

Why people love Refund Advance.

no credit score impact

No credit score impact

Rest easy! Your credit score won't change because you apply. We make it simple.


no loan fees and interest

No loan fees and 0% interest

Enjoy zero finance charge and loan fees with a Refund Advance loan. That’s 0% APR.


quick approval of loans

High approval rates

Don’t stress – we've got high approval rates. And, you could get approved within minutes of filing.

taxes and refund in one spot illustration

Taxes and funds in one spot

Get your taxes filed and your tax Refund Advance loan in your pocket — all with H&R Block.

How it works:

remember these dates

Available for a limited time each year.

Your bills won't wait for the IRS to send your refund, so why should you? With a Refund Advance loan, you could get money you need in a day of filing, instead of weeks.

apply with your tax pro

Apply with your tax pro.

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

get the loan on emerald card

Access funds the day you file.

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

 

repay the loan

Don't pay until your refund arrives.

Enjoy waiting to repay your loan until the IRS delivers your refund. When it comes time to repay it, we've got options, like Refund Transfer.

Learn more about Refund Transfer

Tax help you need and the biggest possible refund, guaranteed.

Max Refund Guarantee

Get every credit and deduction you deserve. Find a bigger refund somewhere else? Your tax prep is free. 

Experienced tax pros

Our tax pros have an average of 10 years’ experience. We’re here for you when you need us.

Many ways to file

Get your taxes done by a tax pro in an office, via video, or by phone. Or do your own with expert, on-demand help.

Upfront transparent pricing

Know the price of tax prep before you begin as part of our No Surprise Guarantee. 

Refund Advance FAQs

The Refund Advance is a no-interest loan that is repaid with your tax refund. It’s available from Jan. 4, 2022 to Feb. 28, 2022, 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 through participating H&R Block offices beginning Jan. 4, 2022 through Feb. 28, 2022.

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 through a participating H&R Block office, expecting a sufficient refund by the IRS and providing appropriate identification.

You then submit an application to MetaBank, 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.

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

Learn more about the 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  – If you purchase a Refund Transfer, the loan will be repaid from a Repayment 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 here to help you with what you need. We'll do your taxes and you'll get professional guidance and a relationship you can rely on year after year.

  • File in office or virtually
  • We prep & file your return
  • Manage everything in our app
Starting at File with a tax pro. $ $69

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