Products & Services


What You Should Know About the Emerald Advance

November 1, 2013 : Kevin Cobb – Past Contributor

Looking for updated information on getting the Emerald Advance Line of Credit in 2014? Click that link for more information.

It’s always good to be prepared – especially this time of year. Unexpected expenses come up –busted pipes, dead batteries, broken appliances and such. And of course, it’s always good to have some extra money around the holidays. That ‘s why we offer the Emerald Advance line of credit.  The Emerald Advance promotional period begins soon and we have seen a lot of questions about this year’s Emerald Advance.  To help, here is a quick overview of how it works.

What is the Emerald Advance?

It is a year-round line of credit that offers the ability to repeatedly borrow and repay money, up to a maximum credit limit  determined by the bank after you submit an application.  If approved, you’ll be able to choose the amount of your first draw and have it loaded to an Emerald Card right then.

Do I have to take a certain amount?

No, you choose how much you want to borrow at a time so you don’t have to borrow more than you need with any advance. Depending upon the bank, you could be approved for a line of credit of up to  $1000.

Can I use my tax refund to repay the advance?

Yes, you may choose to pay down your balance with a portion of your tax refund if you return to H&R Block to have your taxes prepared. Outside of the pay down, there are also many ways available for making monthly payments.

How do I apply?

You can call 855-294-5827 starting today to make an appointment and then come visit a participating office starting November 25th to apply.

What will I need?

  • Current earnings statement (for example, a pay stub)
  • Unexpired government-issued photo ID (like a valid driver’s license)
  • Your Emerald Card® (if you have one)
  • If you are a new client, bring proof of address (such as a utility bill)

Have more questions? Give us a call at 855-294-5827 or visit

For the full terms and conditions please visit the Emerald Advance site.

Kevin Cobb – Past Contributor

Kevin Cobb – Past Contributor

H&R Block

Kevin was a Senior Marketing Manager, Social Media for H&R Block. Prior lives include managing social strategy and channels for Hallmark Cards and EMBARQ.

Join the Conversation

  • iCandy &Diamonds

    I know what I need to get the process started, I have had taxes done with hr but never got a loan. What do you need as far as getting approved, like what are they looking for

  • audrey

    Why cant i take from my advance it shows the money there but it wont let me draw it.

  • Toni Black

    how long does it take for the money to be on the card

    • Team H&R Block

      Toni, if you’re approved, you’ll leave the office with an Emerald Card. Funds should be available within 24 hours. -Kristin

  • khrys

    If I was denied the emerald card does that mean I’m denied to get advance from h&r block…. or is it a different application?

  • kristin

    I’m trying to see if I can borrow against my taxes now if I got an emerald advance in November

  • lynn

    If u have been denied once can u go back and reapply with more information now????

  • jerri bunch

    I have gotten this every year since it started. And its been a blessing. This year when I needed it the most they denied me when nothing change… I do not understand. And wont be filing with them next year because of it…

  • Myra Dean

    If I used H&R Block online last year for taxes, am I eligible for emerald card as a repeat customer?

  • Tondeleya George


  • shonda

    Do all offices do a credit check to get emarld advance and if u are denied at one office can u be approved at another office

  • http://h&rblock Casey Hughes

    Im on pregent leave and I filed for the advance for H&R block and they denied me my question is can I file when I’m on my leave?

  • shawnta hockett

    can you apply at one and be denied then go apply at another and be approved

  • Memory

    I use this system most every year. it is an awesome way to get the holidays going for black Friday…

  • Deborah

    I love this it helps with Christmas shopping

  • Jessica

    I think it a really good idea and it helps out for Christmas wen foes it start

  • kathy

    I have never done this how dose it work I made a apt I have a job been working all year but some times that dont mater they say

  • Jody

    Would like to my appointment asap

  • Samantha nugent

    When do they start taking appointments for the emerald advance on taxes? I did it last year and would like to.schedule an appointment asap and preferably with the same guy that has done my taxes the last few years.

  • Kelsei Yates

    I would like to know a little more about this . I’ve done my taxes at H&R block for the past three years

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