File with a tax pro
Our tax pros are trained to get you every credit and deduction you deserve. You can request to work with the same tax pro year after year so we can get to know you and your unique tax situation.
Why wait on your refund when you could get a Refund Advance loan?
You could get a Refund Advance loan for up to $4,000 within minutes of filing your taxes with an H&R Block tax pro. No loan fees. No interest.
Available January 2 through March 15
How the Refund Advance loan works
File your taxes with an H&R Block tax pro
During your virtual or in-office appointment, your pro will help you apply for Refund Advance loan.
Decide how to receive your loan funds
If approved, get same-day access to your loan funds in your Spruce account or Emerald Card.
Repay the loan with your refund when it arrives
We’ll help you set up repayment so that your refund automatically pays back the loan once it’s received.
Why people love Refund Advance loan
No impact to your credit score
No loan fees and 0% interest
Easy application with high approval rates
How to access loan funds
If approved, loan funds will be deposited to your Spruce account or loaded on your Emerald Card.
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and the Spruce debit card and the H&R Block Emerald Prepaid Mastercard® are issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, conditions, and terms apply to how you use your Emerald Card or Spruce account. Consult your Cardholder Agreement or Spruce Spending Account Agreement for details.
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File taxes how you want with H&R Block
