0% Interest Tax Refund Loan

The Refund Advance LoanDisclaimer number 1. Scrolls to disclaimer. of up to $3000 has ended.

But you can still get your max refund when filing at one of our 10,000 offices.

Benefit From Our Tax Pro Expertise

10 yrs average experience

Over 100 hours of training

Expertise backed by IBM Watson

Make A Tax Appointment

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Here’s how it worked

Make your tax appointment with an H&R Block tax professional.

After your taxes are prepared and if eligible, complete the Refund Advance application.

If approved, you will receive a text or email with the loan amount, typically that same day.

Then, the funds will be available on your H&R Block Emerald Prepaid Mastercard®!Disclaimer number 2. Scrolls to disclaimer.

You’re going to be happy. We guarantee it.

Maximum Refund Guarantee

If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), we'll refund the tax prep fee for that return and file an amended return at no additional charge. Refund claims must be made during the calendar year in which the return was prepared.

The H&R Block Guarantee

If H&R Block makes an error on your return, we'll pay resulting penalties and interest.

Satisfaction Guarantee

We're so certain you'll be satisfied with the tax preparation services at our offices, you only pay us if you accept your return.Disclaimer number 3. Scrolls to disclaimer.

  • “Best tax preparer, by far.”

    “When I got married, my husband talked me into going to H&R Block. It took one visit and I was hooked. Best service, easy to understand, and it's not nearly as long as doing it yourself. I won't go anywhere else. Did I mention their Refund Advance loan? It's awesome!”

    @Shyanna, February 10, 2017

  • “Best place for taxes!”

    “This years Refund Advance was a no brainer with the zero interest! We love knowing our taxes are done correctly and we have protection.”

    @Ryan, February 7, 2017

Frequently Asked Questions

The Refund Advance is a no-interest loan that is repaid with your tax refund. It was offered from Jan. 5, 2018 to Feb. 28, 2018, to H&R Block clients by BofI Federal Bank, Member FDIC, and available in four loan amounts ($500, $750, $1250, $3000). The Refund Advance is a loan; it is not your tax refund.

The Refund Advance was available in participating H&R Block offices beginning Jan. 5, 2018 and ending Feb. 28, 2018.

This process provides you with an opportunity to see if you prequalify to apply for the Refund Advance loan. This means BofI Federal Bank, 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 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.

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 TransferDisclaimer number 4. Scrolls to disclaimer. – 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.