{"id":32808,"date":"2025-01-03T05:09:00","date_gmt":"2025-01-03T11:09:00","guid":{"rendered":"https:\/\/resource-center.hrblock.com\/?p=32808"},"modified":"2025-03-14T10:49:58","modified_gmt":"2025-03-14T15:49:58","slug":"can-get-loan-tax-refund","status":"publish","type":"post","link":"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/around-block\/offers\/can-get-loan-tax-refund\/","title":{"rendered":"Getting a tax refund loan: Fact vs. Fiction"},"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

You could wait patiently for your tax refund during tax season. It\u2019s part of the process, right? The IRS first has to process your refund which typically takes up to three weeks\u2014and that\u2019s before they mail it to you (or direct deposit it).<\/p>\n\n\n

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And, while you are waiting, life is happening. There are bills due, unexpected expenses to pay, or maybe inflation has wrecked your finances lately. When the unpredictable comes up, you may be wondering, \u201cis there a way to get access to money quickly? Can I get a loan on my tax refund?\u201d<\/p>\n\n\n\n

We understand the impact any delay of your refund may have on your finances, and that\u2019s why we offer\u00a0the\u00a0Refund Advance loan<\/strong><\/a>1<\/sup>. When you file at H&R Block you can apply for an interest-free loan on your tax refund, and if approved, you could get up to $4,000 within minutes of filing your taxes with an H&R Block tax pro. There\u2019s even a way you can apply for a tax refund loan using digital drop off\u2014we\u2019ll tell you how.<\/p>\n\n\n\n

Understanding a tax refund loan <\/h2>\n\n\n\n

But first, what are tax refund loans, exactly? If your application is approved, a tax refund advance loan (sometimes called a tax return advance or tax refund anticipation loan) is a great way to potentially get money and not have to worry about the time it takes to wait on your anticipated tax refund from the Internal Revenue Service. With a loan, the money is not your actual refund, but it is repaid from your refund.<\/p>\n\n\n\n

Read on to learn more and find the answer to \u201chow to get a loan on my tax refund?\u201d<\/p>\n\n\n\n

<\/div>

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

Refund Advance loan <\/strong>fact vs. fiction<\/strong><\/h2>\n\n\n\n

Does the potential of getting a Refund Advance loan of up to $4,000 this tax year sound too good to be true? Take a look as we uncover the facts behind the Refund Advance loan offered in H&R Block tax offices. Spoiler alert \u2014 it\u2019s the real deal.<\/p>\n\n\n\n

Fiction<\/strong> \u2013 It takes a long time to apply for loans on a tax refund and get a loan decision.
Fact<\/strong> \u2013 If eligible, you can apply for a Refund Advance loan at the end of your tax prep. Pathward\u00ae N.A., the lender for the loan will notify all applicants by text or email of their decision.  If approved, you could receive your tax refund anticipation loan proceeds within minutes after you file with H&R Block.  Loan funds may be directed to an  H&R Block Emerald Prepaid Mastercard<\/strong><\/a>\u00ae2<\/sup> or Spruce<\/a> 3<\/sup> account as you choose.<\/p>\n\n\n\n

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Fiction<\/strong> \u2013 It\u2019s probably only a limited number of people who get approved for a loan on their tax refund.
Fact<\/strong> \u2013 While not everyone is approved, the Refund Advance loan program at H&R Block has high approval rates. To be approved, you must file your taxes with an H&R Block tax pro, apply and meet certain eligibility requirements, (such as ID verification and a sufficient expected tax refund amount), as well as meet the lender\u2019s underwriting requirements.<\/p>\n\n\n\n

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Fiction<\/strong> \u2013 My credit score will be affected if I apply for a Refund Advance loan.
Fact<\/strong> \u2013 As part of the application process, Pathward\u00ae, N.A. (the lender for Refund Advance loan) will review your credit report, but the review doesn\u2019t impact your credit score. So, you can apply for a tax advance loan without worrying about any impact to your credit score.<\/p>\n\n\n\n

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Fiction<\/strong> \u2013 There\u2019s a lot of costs with refund advance loans.
Fact<\/strong> \u2013 With the Refund Advance loan at H&R Block, there are absolutely no loan fees or finance charges. Plus, the money you receive is yours at 0% APR<\/a>. Really!<\/p>\n\n\n\n

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Fiction<\/strong> \u2013 It\u2019s difficult to find someone who offers a tax refund loan. 
Fact<\/strong> \u2013 You could get a Refund Advance loan in an H&R Block office. Or, if you prefer a remote option, you can use H&R Block\u2019s Virtual tax preparation service<\/a>, so you can work with your tax preparer from home, file your tax return and apply for a tax refund loan virtually.<\/p>\n\n\n\n

Refund Advance loan: How to apply and much more at H&R Block<\/strong><\/h2>\n\n\n\n

Interested in a Refund Advance loan? Visit one of our tax offices<\/a> for more information. Or, if you\u2019d prefer to stay at home, you can work with your tax pro using H&R Block\u2019s Virtual tax preparation service<\/a>.<\/p>\n\n\n\n

Our tax pros understand how important it can be to get access to money quickly. Plus, when you choose H&R Block to file your return, you can trust you\u2019ll always get your maximum refund\u2014guaranteed. <\/p>\n\n\n\n

Find more information about how to schedule a tax appointment and how to apply for a Refund Advance<\/strong><\/a>  loan in a participating office starting Jan. 3, 2025. Note: The Refund Advance loan offer ends February 28, 2025.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

1<\/sup>This is an optional tax refund-related loan from Pathward\u00ae, N.A.; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1,250 or $4,000. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be disbursed as directed to a prepaid card or checking account at Pathward. The loan amount will be deducted from your tax refund, and any remaining balance will be sent to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer at participating locations. H&R Block Maine License No. FRA2. OBTP#13696-BR.<\/p>\n\n\n\n

2<\/sup> H&R Block Emerald Prepaid Mastercard\u00ae is issued by Pathward\u00ae, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement<\/a> for details. \u00a92024 HRB Tax Group, Inc.<\/p>\n\n\n\n

3<\/sup> Spruce fintech platform is built by H&R Block, which is not a bank. Spruce\u2120 Spending and Savings Accounts established at, and debit card issued by, Pathward\u00ae, N.A., Member FDIC, pursuant to license by Mastercard\u00ae. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.<\/p>\n","protected":false},"excerpt":{"rendered":"

Editor’s note: The offer period for Refund Advance Loan is now closed, but you can still visit our Refund Advance Loan site to learn more. Plus, you can always count on our\u00a0tax pros to get your maximum refund. You could wait patiently for your tax refund during tax season. It\u2019s part of the process, right? […]<\/p>\n","protected":false},"author":406,"featured_media":61605,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23,30],"tags":[],"class_list":["post-32808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-around-block","category-offers"],"acf":[],"yoast_head":"What To Know About Getting A Tax Refund Loan | H&R Block<\/title>\n<meta name=\"description\" content=\"Don\u2019t worry about waiting for the IRS to issue your refund with a tax refund loan. 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