H&R Block’s Emerald Advance is a no-fee, no-interest loan that allows taxpayers to get up to $1,000 before their tax refund arrives. In 2023, Emerald Advance was available starting on January 28th. For 2025, H&R Block has not yet announced the start date for Emerald Advance, but it is expected to be available around the same time, usually at the end of January.
Emerald Advance is a great option for taxpayers who need access to their refund quickly and don’t want to pay any fees or interest. To be eligible for Emerald Advance, taxpayers must have an H&R Block Emerald Card account and have filed their taxes with H&R Block in the past. If you meet these requirements, you can apply for Emerald Advance online or at an H&R Block office.