You could receive a line of credit up to $1000 Disclaimer labeled with ^. Scroll to disclaimer.
No W2 required to apply
Apply at participating offices starting November 2017

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Sometimes we all need a little help. Surprise expenses always seem to pop up at the worst time. Emerald Advance is here to help. If approved, the H&R Block Emerald Advance® line of credit provides you with the ability to repeatedly borrow and repay up to $1000. So whether you need a little extra cushion between paychecks, or help with unexpected car repairs, Emerald Advance line of credit has you covered year-round.


Pay your balance down to zero by February 15 each year as well as meet a few other requirements, and you could have access to your line of credit year-round for unexpected expenses and other credit needs. View Details

Once you're approved, you'll enjoy the benefits of your year-round line of credit. Here are a few dates to keep in mind.

November through December you can make an appointment and apply for the line of credit. November through January you can use the line of credit. Payments are due the fifteenth of every month and on time payments are required. January 27 through February 15 the annual resting period begins and the required pay down to zero by February 15. February 16 through November is the time to meet requirements and use your line of credit year round. By April 1 (if applicable) you can open and fund a savings account.


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 at MyEmeraldAdvance.com, 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! Download the Emerald Card Mobile Banking App® for iOS and Android devices.


With a minimum monthly payment of only $25 or 4% of your balance (whichever is greater), payments are both affordable and manageable. 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. Payment options include:

  • Check or debit card

  • Transfer from H&R Block Emerald Prepaid Mastercard®

  • Cash payment at MoneyGram® or 7-Eleven® or Family Dollar® locations (service charge applies)

  • Tax Refund - for paydown only, not available for monthly payment



$45 Annual Fee*

Assessed on the day the Emerald Advance is opened

36% Annual Percentage Rate (APR)**

Finance Charge assessed on the amount drawn from your Emerald Advance

$7.50 Late Payment Fee

Assessed if monthly payment is received after the due date (maximum of 5 fees per year).

$20 Returned Payment Fee

If a check is used to make a payment on your Emerald Advance, and the financial institution on which the check is drawn dishonors or returns it unpaid for any reason, a $20 fee per returned check may be charged.


*$30 in subsequent years for clients who maintain their accounts year-round. If, at the time you establish your Emerald Advance, you are a covered borrower as that term is defined in the Military Lending Act and its implementing regulations, including 32 CFR § 232.3 (a "Covered Borrower"), and so long as you remain a Covered Borrower, your annual fee will be waived.

**36% APR applies during promotional period and for unsecured lines of credit. For partial savings-secured and full savings-secured lines of credit, the APR is 18% and 9% respectively. For more details, see the Terms & Conditions.



If you have an Emerald Advance, you can enroll in an Automatic Payment Plan.

It's a convenient way for you to make required monthly payments from your Emerald Card® or Emerald Savings account to your Emerald Advance and help you avoid late fees. Download Now

^H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® are offered through BofI Federal Bank, Member FDIC. H&R Block Emerald Prepaid Mastercard® is issued by BofI Federal Bank pursuant to a license by Mastercard International Incorporated. All products subject to ID verification. Line of credit is also subject to credit and underwriting approval. If approved, you could be eligible for a credit limit between $350 - $1000. Fees apply. Products offered only at participating offices. Promotional period 11/17/2016 –12/30/2016. Emerald Financial Services, LLC is a registered agent of BofI Federal Bank. Mastercard is a registered trademark of Mastercard International Incorporated. H&R Block Emerald Advance line of credit is a tax refund-related credit product. H&R Block Emerald Prepaid Mastercard is a tax refund-related deposit product. ©2016 HRB Tax Group, Inc.

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