New This Tax Season: H&R Block Filers Could Receive Up To $4,000 With Refund Advance Loan
H&R Block (NYSE: HRB) has announced the return of its Refund Advance loan program for the 2025 tax season, offering qualifying taxpayers no-interest loans of up to $4,000 between January 3 and February 28, 2025. The loans, issued by Pathward®, N.A, are available in amounts of $250, $500, $750, $1,250, or $4,000, featuring no interest and no loan fees.
Key features include same-day fund availability, no credit score impact, high approval rates, and automatic repayment from tax refunds. Approved funds can be deposited into a Spruce account or loaded onto an Emerald Card®. The program is accessible through H&R Block's 60,000 tax professionals nationwide during virtual or in-office appointments.
H&R Block (NYSE: HRB) ha annunciato il ritorno del suo programma di prestiti Refund Advance per la stagione fiscale 2025, offrendo ai contribuenti idonei prestiti senza interessi fino a 4.000$ tra il 3 gennaio e il 28 febbraio 2025. I prestiti, emessi da Pathward®, N.A, sono disponibili in importi di 250$, 500$, 750$, 1.250$ o 4.000$, con nessun interesse e senza spese di prestito.
Le caratteristiche principali includono disponibilità dei fondi lo stesso giorno, nessun impatto sul punteggio di credito, tassi di approvazione elevati e rimborso automatico dai rimborsi fiscali. I fondi approvati possono essere depositati in un conto Spruce o caricati su una Emerald Card®. Il programma è accessibile attraverso i 60.000 professionisti fiscali di H&R Block a livello nazionale durante appuntamenti virtuali o in ufficio.
H&R Block (NYSE: HRB) ha anunciado el regreso de su programa de préstamos Refund Advance para la temporada fiscal 2025, ofreciendo a los contribuyentes cualificados préstamos sin intereses de hasta 4.000$ entre el 3 de enero y el 28 de febrero de 2025. Los préstamos, emitidos por Pathward®, N.A, están disponibles en montos de 250$, 500$, 750$, 1.250$ o 4.000$, sin interés ni comisiones de préstamo.
Las características clave incluyen disponibilidad de fondos el mismo día, sin impacto en el puntaje de crédito, altas tasas de aprobación y reembolso automático de los reembolsos fiscales. Los fondos aprobados se pueden depositar en una cuenta Spruce o cargar en una Emerald Card®. El programa está accesible a través de los 60.000 profesionales fiscales de H&R Block en todo el país durante citas virtuales o en oficina.
H&R Block (NYSE: HRB)는 2025 세금 시즌을 위해 환급 전진 대출 프로그램의 재개를 발표하며, 자격을 갖춘 납세자에게 2025년 1월 3일부터 2월 28일 사이에 최대 4,000$의 무이자 대출을 제공합니다. Pathward® N.A에서 발행하는 이 대출은 250$, 500$, 750$, 1,250$ 또는 4,000$의 금액으로 제공되며, 이자와 대출 수수료가 없습니다.
주요 특징으로는 당일 자금 가용성, 신용 점수에 대한 영향이 없음, 높은 승인 비율, 세금 환급에서 자동 상환이 포함됩니다. 승인된 자금은 Spruce 계좌에 입금되거나 Emerald Card®에 로드될 수 있습니다. 이 프로그램은 H&R Block의 60,000명의 세무 전문가를 통해 가상 상담 또는 사무실 예약을 통해 이용할 수 있습니다.
H&R Block (NYSE: HRB) a annoncé le retour de son programme de prêt Refund Advance pour la saison fiscale 2025, offrant aux contribuables éligibles des prêts sans intérêt allant jusqu'à 4 000$ entre le 3 janvier et le 28 février 2025. Les prêts, émis par Pathward®, N.A., sont disponibles en montants de 250$, 500$, 750$, 1 250$ ou 4 000$, sans intérêt ni frais de prêt.
Les principales caractéristiques comprennent la disponibilité des fonds le jour même, aucun impact sur le score de crédit, des taux d'approbation élevés et un remboursement automatique à partir des remboursements fiscaux. Les fonds approuvés peuvent être déposés sur un compte Spruce ou chargés sur une Emerald Card®. Le programme est accessible par l'intermédiaire des 60 000 professionnels fiscaux d'H&R Block à l'échelle nationale lors de rendez-vous virtuels ou en cabinet.
H&R Block (NYSE: HRB) hat die Rückkehr seines Refund Advance-Darlehensprogramms für die Steuersaison 2025 angekündigt und bietet qualifizierten Steuerzahlern zinsfreie Darlehen von bis zu 4.000$ zwischen dem 3. Januar und dem 28. Februar 2025 an. Die von Pathward®, N.A. ausgestellten Darlehen sind in Beträgen von 250$, 500$, 750$, 1.250$ oder 4.000$ erhältlich und kommen ohne Zinsen und Darlehensgebühren aus.
Zu den wichtigsten Merkmalen gehören die Verfügbarkeit von Geldern am gleichen Tag, keine Auswirkungen auf die Kreditwürdigkeit, hohe Zulassungsraten und automatische Rückzahlung aus Steuererstattungen. Genehmigte Mittel können auf ein Spruce-Konto überwiesen oder auf eine Emerald Card® geladen werden. Das Programm ist über die 60.000 Steuerfachkräfte von H&R Block landesweit während virtueller oder persönlicher Termine zugänglich.
- Increased maximum loan amount to $4,000, among the largest no-interest refund advances nationally
- No interest charges or loan fees for consumers
- Same-day fund availability for approved applicants
- High approval rates with no impact on credit score
- time offer available only from January 3 to February 28, 2025
- Loan amount is contingent on expected refund amount and eligibility criteria
Insights
H&R Block's enhanced Refund Advance loan offering represents a strategic move to capture market share during the critical tax season. The increase to
The timing is particularly strategic - by launching before the IRS opening date and targeting PATH Act affected taxpayers who face extended wait times, HRB is addressing a important market pain point. The high approval rates and same-day funding through Pathward partnership create a compelling value proposition that could boost tax preparation volume in Q1 2025.
Key revenue drivers include: 1) increased tax preparation fees from new customer acquisition, 2) cross-selling opportunities through Spruce banking platform integration and 3) enhanced customer retention potential. The program's structure as a loan secured by tax refunds significantly minimizes default risk while maximizing customer benefit.
The expansion of HRB's Refund Advance program demonstrates sophisticated financial product engineering. The five-tier loan structure (
The program's design as a no-credit-impact offering is particularly valuable for reaching underbanked consumers who may have access to traditional banking services. By positioning the product as a bridge financing solution rather than a traditional loan, HRB can capture customers who might otherwise turn to high-interest alternatives during tax season.
No interest and no loan fees for those who need money ahead of their refund
KANSAS CITY, Mo., Jan. 06, 2025 (GLOBE NEWSWIRE) -- H&R Block (NYSE: HRB) is excited to announce the return of Refund Advance loan1, a no-interest loan of up to
Unlike loans at some tax preparation providers, the Refund Advance loan at H&R Block offices comes with no interest and no loan fees—and funds availability began on January 3, so those who are approved don’t need to wait until the IRS is open in late January to receive the Refund Advance loan funds. Clients could receive a Refund Advance loan within minutes of filing, making it a truly consumer-friendly option for those needing financial assistance while waiting for their refund. Plus, new this year, filers have the opportunity to obtain up to
“This year, we're thrilled to expand the Refund Advance loan offering, allowing filers to apply for a loan of up to
Key Features of the Refund Advance Loan:
- Up to
$4,000 , making it one of the largest no interest refund advance loans among national brands. If approved, a Refund Advance loan will be issued in one of five amounts—$250 ,$500 ,$750 ,$1,250 ,$4,000. - No Interest and No Loan Fees: The loan is issued with no interest and no loan fees, making it an affordable option for consumers.
- Quick Access to Funds: If approved, funds can be available the same day, providing easy and efficient access.
- No Credit Impact and High Approval Rates: There’s no impact to a taxpayer’s credit score when applying for or receiving the Refund Advance loan. Plus, the Refund Advance loan program has high approval rates.
- Repayment with Tax Refund: An H&R Block tax professional will assist in setting up repayment from the tax refund, ensuring that the loan is automatically repaid once the refund is received, making it a seamless and convenient solution.
H&R Block filers can apply for Refund Advance loan with the help of one of H&R Block’s 60,000 tax professionals nationwide during their virtual or in-office appointment. For filers approved for the loan, the funds are typically available the same day and can be deposited into a Spruce2 account or loaded onto an Emerald Card®.
“For many of our clients, this loan could make a big impact—whether it’s paying off bills, catching up on holiday spending, or managing daily expenses,” added Campbell. "We know our clients work hard, and this product is designed to better serve them by getting them access to money, quickly, while waiting for their refund."
For more information or to schedule an appointment, visit www.hrblock.com.
1 This is an optional tax refund-related loan from Pathward®, N.A.; it is not your tax refund. Loans are offered in amounts of
2 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.
About H&R Block
H&R Block, Inc. (NYSE: HRB) provides help and inspires confidence in its clients and communities everywhere through global tax preparation services, financial products, and small-business solutions. The company blends digital innovation with human expertise and care as it helps people get the best outcome at tax time and also be better with money using its mobile banking app, Spruce. Through Block Advisors and Wave, the company helps small-business owners thrive with year-round bookkeeping, payroll, advisory, and payment processing solutions. For more information, visit H&R Block News.
For inquiries, please contact:
| Media Relations: | Susan Fish, (816) 399-7280, susan.fish@hrblock.com |
| Media Desk: Mediadesk@hrblock.com | |
| Investor Relations: | Jordyn Eskijian, (816) 854-5674, jordyn.eskijian@hrblock.com |
FAQ
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