{"id":15069,"date":"2025-01-03T07:30:00","date_gmt":"2025-01-03T13:30:00","guid":{"rendered":"https:\/\/resource-center.hrblock.com\/?p=15069"},"modified":"2025-03-14T10:46:03","modified_gmt":"2025-03-14T15:46:03","slug":"tax-refund-delays-refund-advance","status":"publish","type":"post","link":"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/around-block\/offers\/tax-refund-delays-refund-advance\/","title":{"rendered":"Refund Advance loan: How to get help with tax refund delays"},"content":{"rendered":"\n

Editor’s note:<\/em> The offer period for Refund Advance Loan is now closed, but you can still visit our Refund Advance Loan site to learn more.<\/em> Plus, you can always count on our\u00a0tax pros to get your maximum refund.<\/em><\/p>\n\n\n\n

Do you want access to money faster than waiting on the IRS to send your income tax refund? We get it\u2014between inflation and other financial pressures, getting your tax refund is critical.<\/p>\n\n\n

\n
\"\"<\/figure><\/div>\n\n\n

And, for some, there are reasons why you may have a tax refund delay. For example, if you are one of the millions of taxpayers who claim credits such as the Earned Income Tax Credit<\/a> (EITC), the Internal Revenue Service (IRS) must hold your entire tax refund until at least February 15.<\/p>\n\n\n\n

Plus, some financial institutions may need even more time to accept your direct deposit! If you\u2019re like many taxpayers, a tax refund delay could put you in a financial pinch.<\/p>\n\n\n\n

What if there was a way you could get money without that wait?  H&R Block has tools that could help. With a Refund Advance<\/strong><\/a> <\/strong>loan1<\/sup> available at H&R Block, if approved, you could get up to $4,000 as a tax refund advance loan within minutes of filing your tax return.<\/p>\n\n\n\n

Interested in hearing more about tax refund loans? Check out the questions and answers below to find out more about how tax refund advance programs work and how a Refund Advance loan could help if you have a tax refund delay.<\/p>\n\n\n\n

<\/div>

File with H&R Block to get your maximum refund<\/h3>
\n
Make an appointment<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n

What is a tax refund advance loan?<\/h2>\n\n\n\n

Simply stated, these types of programs are exactly what they say they are\u2014a loan that if approved allows you to receive money in advance of your tax refund. While they are based on your anticipated tax refund amount, the loan is not your actual tax refund from the Internal Revenue Service.  <\/p>\n\n\n\n

It\u2019s also worth noting that because these tax refund loans are based on your expected refund amount, you wouldn\u2019t be able to get a tax refund advance loan amount for more than your income tax refund.<\/p>\n\n\n\n

Can you tell me more about the Refund Advance loan available at H&R Block?<\/h2>\n\n\n\n

If you are filing with H&R Block and are expecting a refund, you may be eligible to apply for a Refund Advance loan (sometimes thought of as tax return advance or an advance of your tax refund). The Refund Advance loan originated by Pathward\u00ae N.A. and available at H&R Block is a no interest loan of up to $4,000 that is repaid from your actual tax refund. That\u2019s money you could receive the same day you file to pay bills or unexpected expenses.<\/p>\n\n\n\n

How much does it cost to apply? Is there a loan fee?  <\/h2>\n\n\n\n

Applications for Refund Advance loan are submitted to the lender at the end of your H&R Block tax prep. Unlike some refund advance loans, there\u2019s no loan fee to apply. What\u2019s more, if your application is approved, the Refund Advance loan has a 0% APR<\/a> with no loan fees or finance charges.<\/p>\n\n\n\n

How do I apply for the tax Refund Advance loan at H&R Block?<\/h2>\n\n\n\n

To apply for a Refund Advance loan, you must file your taxes using H&R Block and pass the lender\u2019s eligibility criteria (including a sufficient expected tax refund from the IRS, e-filing your return in a participating H&R Block office and providing certain consents and valid ID).  If you apply, Pathward\u00ae, N.A., the lender for Refund Advance loan, will apply its standard underwriting criteria in order to approve or deny your application. Upon decisioning, Pathward will notify you by text or email, whichever you choose.<\/p>\n\n\n\n

Note: While the bank may access your credit report, applying for Refund Advance loan will not impact your credit score.<\/p>\n\n\n\n

Does the lender offer through H&R Block a same day tax refund online?<\/h2>\n\n\n\n

While we can\u2019t get you your actual tax refund the same day you file, you could apply for a Refund Advance loan and get money within minutes of filing when you file with an H&R Block tax pro and use H&R Block\u2019s Virtual tax preparation<\/a> service. With this service, you can work with your tax pro from home, file your tax return and apply for a Refund Advance loan as part of the process. If approved, you\u2019ll be notified by text or email the same day.<\/p>\n\n\n\n

Take note<\/strong>: Our virtual service is not the same as H&R Block Online programs. By choosing our virtual option, you\u2019ll still work with a tax pro who will prepare and file your taxes for you!<\/p>\n\n\n\n

How much money could I get with a Refund Advance loan?<\/h2>\n\n\n\n

If approved, this tax refund loan is offered in the following amounts:<\/p>\n\n\n\n