EMERALD ADVANCE®


H&R Block Emerald Advance® Line Of Credit

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Up to $1000Disclaimer labeled with ^. Scroll to disclaimer.

You could receive a line of credit up to $1000

No W-2 Required

No W-2 is required to apply for the H&R Block Emerald Advance® line of credit.

Starting November

Apply at participating offices starting November 2017

Stay One Step Ahead of Unexpected Expenses


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.

Use the Emerald Advance Line of Credit 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 – December

Apply for the Emerald Advance line of credit at select H&R Block locations.

January 27 – February 15

Annual Resting Period*. Pay down your Emerald Advance balance to zero by Feb. 15 each year to maintain your account in good standing.

*Does not apply to those who have maintained year-round access to their accounts.

April 1

If applicable, open and fund your H&R Block Emerald Savings® account by this date to secure your Emerald Advance.

November – January

Enjoy the use of your new Emerald Advance line of credit, making monthly payments of at least $25 or 4% of your balance, whichever is greater.

February 16 – November

If you’ve met qualifying requirements, continue using your line of credit and make monthly payments on time.

Easy Payment Options


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

Pricing and Other Info


$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.

Auto-Pay Request Form


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

. Scroll to line of credit details.^If approved, you could be eligible for a credit limit between $350-$1000. H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® offered through BofI Federal Bank, Member FDIC. H&R Block Emerald Prepaid Mastercard® issued by BofI Federal Bank pursuant to a license by Mastercard International Incorporated. All products subject to ID verification. Line of credit subject to credit and underwriting approval. Fees apply. Products offered at participating offices. Promotional period 11/16/2017 – 12/29/2017. Emerald Financial Services, LLC is a registered agent of BofI Federal Bank. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Emerald Advance is a tax refund-related credit product and Emerald Card is a tax refund-related deposit product. OBTP# B13696 ©2017 HRB Tax Group, Inc.