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You could get up to $4,000 with Refund Advance loan
New for 2025 — you could get a Refund Advance loan for up to $4,000 within minutes of filing with an H&R Block tax pro.
Available Jan. 3 through Feb. 28
How Refund Advance loan works
File your taxes with an H&R Block tax pro
During your virtual or in-office appointment, your pro will help you apply for Refund Advance loan.
Decide how to receive your loan funds
If approved, get same-day access to your loan funds in your Spruce account or Emerald Card.
Repay the loan with your refund when it arrives
We’ll help you set up repayment so that your refund automatically pays back the loan once it’s received.
Why people love Refund Advance loan
No impact to your credit score
No loan fees and 0% interest
High approval rates
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Donna “I had the Refund Advance money loaded on my Emerald Card by the time I got home. I really needed the advance”
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Hollis “I like how fast and simple Refund Advance was. And how quickly I got money on my card.”
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H&R Block Client “Refund Advance was easy. Love that there are no fees for it.”
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Brittany B. “I like that with Refund Advance we are able to get some money now instead of waiting for the IRS.”
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Vernisha A. “Refund Advance allowed me to get a jumpstart into the new year. I was able to get ahead of my bills by a couple months even.”
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S. Bryant “Overall, it was very quick. I would recommend a Refund Advance. Always helps in any pinch.”
How to access loan funds
If approved, loan funds will be deposited to your Spruce account or loaded on your Emerald Card.
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
H&R Block Emerald Prepaid Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2024 HRB Tax Group, Inc.
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Refund Advance loan FAQs
Refund Advance is a no-interest loan that is repaid with your tax refund. Apply between Jan. 2, 2024 and Feb. 29, 2024. 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. 2, 2024 through Feb. 29, 2024.
Not available for H&R Block Online or H&R Block Online’s Tax Pro Review.
The Refund Advance loan is a 0% APR loan. There is no interest and no loan fees charged for the Refund Advance loan. Fees for other optional products or product features may apply.
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 Pathward®, N.A., 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 loan.
The Refund Advance loan proceeds must be placed on an H&R Block Emerald Prepaid Mastercard® (“Emerald Card®”) or deposited into a Spruce℠ account.
No, the only disbursement options for the Refund Advance loan proceeds are the Emerald Card and a Spruce account. Emerald Card and Spruce allow a one-time transfer of funds by check or automated clearing house (ACH) from your Emerald Card or Spruce account for no fee.
You will choose a method of repayment at the time of tax preparation. They include the following:
Refund Transfer: For a $42 fee, the loan will be repaid from your Refund Transfer 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, Spruce account, direct deposit, or check. (It is not required to purchase a Refund Transfer to apply for or receive the Refund Advance loan; it is entirely optional.)
Repayment Account: If you do not select Refund Transfer, you direct the loan to be repaid from a Repayment Account and the remaining amount will be loaded to your Emerald Card or deposited to your Spruce account. There is no cost for the Repayment Account.
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