H&R Block's Christmas Loans: All You Need To Know

H&R Block offers a range of financial products and solutions to help individuals and businesses with their money management and tax preparation. One of the products they offer is the Emerald Advance® Loan, which can provide individuals with funds to cover holiday expenses, including Christmas shopping and unexpected bills. The Emerald Advance® Loan offers loan amounts ranging from $350 to $1,300, with the option to receive the funds on the same day of application. Additionally, H&R Block also provides Refund Advance Loans of up to $4,000, which can be used for various purposes, including catching up on holiday spending.

H&R Block Emerald Advance® Loan

The H&R Block Emerald Advance® Loan is a short-term loan offered by Pathward, N.A., which provides qualifying individuals with up to $1,300 the same day they apply. The loan is available to those who apply at select H&R Block locations from November 1 to December 31, 2024.

The Emerald Advance® Loan is a fixed-rate loan with an Annual Percentage Rate (APR) of 35.9%. Loan amounts vary from $350 to $1,300. If approved, loan proceeds will be disbursed as directed to a prepaid card or checking account at Pathward. The loan is due in full on March 31, 2025, and there are no required monthly payments until this date.

There are no application fees for the Emerald Advance® Loan, and checking eligibility will not impact a customer's credit score. The loan can be paid back using a debit card, check, or money order. For those who file their taxes with H&R Block, the loan can be repaid with their tax refund.

The H&R Block Emerald Advance® Loan is a practical financial option for those who need more breathing room during the holiday season, helping with holiday shopping, bills, or unexpected expenses.

No impact on credit score

H&R Block offers Emerald Advance® Loans to help with holiday spending. The application period for the loan typically runs from November 1 through December 31. The Emerald Advance® Loan is originated by Pathward®, N.A. and provides qualifying individuals with up to $1,300 the same day they apply. The loan can be used for holiday shopping, bills, or unexpected expenses. There is no application fee, and checking eligibility will not impact a customer's credit score.

The Refund Advance loan is another option offered by H&R Block. This loan is also originated by Pathward®, N.A. and is available at participating H&R Block offices from January 3 to February 28. The loan amounts range from $250 to $4,000, and there is no impact on a taxpayer's credit score when applying for or receiving the loan. The loan funds can be deposited into a Spruce account or loaded onto an Emerald Card.

The Emerald Advance® Loan and the Refund Advance loan offered by H&R Block can provide financial assistance to individuals during the holiday season. Both loans have features that make them attractive options for those in need of extra funds. The Emerald Advance® Loan has a simple application process and flexible repayment options, while the Refund Advance loan has high approval rates and convenient repayment through tax refunds.

It is important to note that while applying for these loans will not impact your credit score, taking out a loan may be reported to credit bureaus and could affect your credit score. Additionally, there may be other fees and charges associated with these loans, so it is essential to carefully review the terms and conditions before applying.

Application period

H&R Block offers Emerald Advance® Loans to help with holiday spending. The application period for this loan typically runs from November 1 to December 31. For example, in 2024, the application period is from November 1 to December 31, 2024.

The Emerald Advance® Loan is a financial product offered by H&R Block to help individuals and families with holiday shopping, bills, and unexpected expenses during the holiday season. The loan is designed to provide a simple application process and flexible repayment options. There is no application fee, and checking eligibility does not impact a customer's credit score. The loan amounts vary from $350 to $1,300, with an Annual Percentage Rate (APR) of 35.9%. If approved, loan proceeds can be disbursed to a prepaid card or checking account.

H&R Block also offers a Refund Advance loan, which is available at participating offices during a specific period, such as January 3 to February 28, 2025. This loan provides customers with access to up to $4,000, with no interest or loan fees. The loan funds can be deposited into a Spruce account or loaded onto an Emerald Card. The repayment for this loan can be set up to be automatically deducted from the customer's tax refund.

It is important to note that the availability and specifics of these loans may vary by location and year. Therefore, it is recommended to check the H&R Block website or contact their offices for the most up-to-date information regarding application periods and loan offerings.

Repayment options

H&R Block offers Emerald Advance® Loans to help with holiday spending. The loan amounts vary from $350 to $1300, with no application fee or monthly payments required. Approved applicants can receive the funds on the same day, disbursed to a prepaid Emerald Card or deposited into their Spruce account. There are no required monthly payments until March 31, 2025, when the full payment of the loan is due.

H&R Block also offers a Refund Advance loan of up to $4,000. This is an optional tax refund-related loan, and the loan amount will be deducted from your tax refund. The funds can be deposited into your Spruce account or loaded onto your Emerald Card. Repayment can be set up so that your refund automatically pays back the loan once it is received.

The Emerald Advance® Loan offers convenient repayment options, including using a debit card, check, or money order. For those who file their taxes with H&R Block during the upcoming tax season, the loan can be repaid with their tax refund.

It is important to note that the loans are subject to eligibility and credit approval, with an Annual Percentage Rate (APR) of 35.9%. The availability of these loans may also be limited to specific dates and participating locations.

Eligibility

H&R Block offers Emerald Advance® Loans to help with holiday spending. The application period for the loan is from November 1 to December 31, 2024. The loan is originated by Pathward®, N.A. and is subject to eligibility and credit approval.

There is no impact on a customer's credit score when checking eligibility for the Emerald Advance® Loan. The Annual Percentage Rate (APR) for the loan is 35.9%. The loan amounts vary from $350 to $1,300, with approved funds disbursed to a prepaid card or checking account at Pathward.

H&R Block also offers a Refund Advance loan of up to $4,000. This is an optional tax refund-related loan from Pathward®, N.A. and is not the actual tax refund. The loan is available at participating H&R Block offices from January 3 to February 28, 2025. The loan amount is based on the expected refund amount, eligibility criteria, and underwriting. If approved, the loan funds will be deposited into the applicant's Spruce account or loaded onto their Emerald Card.

To apply for the Emerald Advance® Loan, individuals can visit HRBlock.com to make an appointment at one of the participating H&R Block offices.

Frequently asked questions