Should You Apply for an Advance on Your Tax Refund?

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You could get a Refund Advance up to $ the day you file. 0% interest loan. Jan 5 - Feb Open the site navigation H&R Block home page. Home; By authorizing H&R Block to e-file your tax return or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. Be prepared for unexpected expenses with H&R Block Emerald Advance Line of Credit, a year round line of credit that lets you borrow and repay money. By authorizing H&R Block to e-file your tax return or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. If you request cash. Step 2. Sit down with one of our trained H&R Block Tax Experts to review your information, prepare your tax return and confirm that you qualify for Instant Refund TM.

No W-2 Required

Frequently Asked Questions

Chat or rant, adult content, spam, insulting other members, show more. Harm to minors, violence or threats, harassment or privacy invasion, impersonation or misrepresentation, fraud or phishing, show more. Bostonian is not correct. Please be aware of tax preparation fees and interest associated with a pre-season loan or cash advance. No, they do not. To get a Refund Anticipation Loan you must actually have your tax return prepared by Block and choose that option for collecting your refund.

Those won't be available until mid-January when the IRS starts accepting e-filed tax returns. This is purely a loan transaction, either through a wholly owned subsidiary bank or a partner bank. It will NOT be repaid out of your tax refund. You must make regular payments on the loan just as with any loan. That will increase your take-home pay and you can forget the ripoff loans! Pay your balance down to zero by February 15 each year as well as meet a few other requirements, and you will have access to your line of credit year-round for unexpected expenses and other credit needs.

Pay down your Emerald Advance balance to zero by Feb. It's simple, you can manage your account at home or on the go. With several options available, you can enjoy the flexibility to make payments in a way that's most convenient for your lifestyle. Once you create an account , you'll be able to manage your line of credit, enroll for eStatements, make payments and more!

You can also manage your Emerald Advance on the go! You must also pay down your balance to zero by February 15 each year. You have several convenient options to make a payment, and now it's easier than ever. Bank products and services are offered by BofI Federal Bank. Check the box below to get your in-office savings. I am not a robot. This link is to make the transition more convenient for you.

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.

There are no finance charges and no loan fees charged for the Refund Advance. 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 BofI Federal Bank, the lender. The bank will evaluate your application based on standard underwriting criteria and makes the decision to approve or deny your application.

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.

No, the sole disbursement option for the Refund Advance loan proceeds is the Emerald Card. You can find out more about Emerald Card here. You will choose a method of repayment at the time of tax preparation.

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