You Could Get Up to $1,300 the Same Day with an H&R Block Emerald Advance® Loan
H&R Block (NYSE: HRB) has announced the 2024 application period for its Emerald Advance® Loan, running from November 1 through December 31, 2024. The loan offers qualifying individuals up to $1,300 same-day funding with no annual fee and no credit impact for eligibility checks. Key features include flexible repayment options with no required monthly payments until March 31, 2025, and the ability to repay through tax refunds for H&R Block customers. The loan carries a 35.9% APR with amounts ranging from $350-$1,300. Applications can be submitted at nearly 4,000 participating H&R Block offices.
H&R Block (NYSE: HRB) ha annunciato il periodo di richiesta 2024 per il suo Prestito Emerald Advance®, che si estende dal 1° novembre al 31 dicembre 2024. Il prestito offre a individui idonei fino a $1,300 di finanziamento immediato senza commissione annuale e senza impatto sul credito per i controlli di idoneità. Le caratteristiche principali includono opzioni di rimborso flessibili con nessun pagamento mensile richiesto fino al 31 marzo 2025 e la possibilità di rimborsare tramite rimborsi fiscali per i clienti di H&R Block. Il prestito ha un APR del 35.9% con importi che vanno da $350 a $1,300. Le domande possono essere presentate in quasi 4.000 uffici H&R Block partecipanti.
H&R Block (NYSE: HRB) ha anunciado el período de solicitud 2024 para su Préstamo Emerald Advance®, que va del 1 de noviembre al 31 de diciembre de 2024. El préstamo ofrece a individuos calificados hasta $1,300 con financiamiento del mismo día sin cuota anual y sin impacto en el crédito para verificaciones de elegibilidad. Las características clave incluyen opciones flexibles de reembolso sin pagos mensuales requeridos hasta el 31 de marzo de 2025 y la capacidad de reembolsar a través de reembolsos de impuestos para los clientes de H&R Block. El préstamo tiene una APR del 35.9% con montos que varían de $350 a $1,300. Las solicitudes se pueden presentar en casi 4,000 oficinas de H&R Block participantes.
H&R Block (NYSE: HRB)는 Emerald Advance® 대출의 2024년 신청 기간을 2024년 11월 1일부터 12월 31일까지로 발표했습니다. 이 대출은 자격이 있는 개인에게 최대 $1,300의 즉각적인 자금을 제공하며 연회비가 없고 자격 확인을 위한 신용 영향이 없습니다. 주요 특징으로는 2025년 3월 31일까지 필요한 월별 지불이 없는 유연한 상환 옵션과 H&R Block 고객을 위한 세금 환급을 통해 상환할 수 있는 가능성이 포함됩니다. 이 대출은 35.9% APR를 갖고 있으며, 금액은 $350에서 $1,300까지 다양합니다. 신청서는 거의 4,000개의 H&R Block 참여 사무소에서 제출할 수 있습니다.
H&R Block (NYSE: HRB) a annoncé la période de demande 2024 pour son Prêt Emerald Advance®, qui se déroule du 1er novembre au 31 décembre 2024. Le prêt offre aux personnes éligibles jusqu'à $1,300 de financement le jour même sans frais annuels et sans impact sur le crédit pour les vérifications d'éligibilité. Les caractéristiques principales incluent des options de remboursement flexibles sans paiements mensuels requis jusqu'au 31 mars 2025 et la possibilité de rembourser par le biais de remboursements d'impôts pour les clients de H&R Block. Le prêt a un Taux Annuel Effectif Global de 35.9% avec des montants variant de $350 à $1,300. Les demandes peuvent être soumises dans près de 4 000 bureaux H&R Block participants.
H&R Block (NYSE: HRB) hat den Antragszeitraum 2024 für seinen Emerald Advance®-Kredit bekannt gegeben, der vom 1. November bis zum 31. Dezember 2024 läuft. Der Kredit bietet berechtigten Personen bis zu $1,300 an sofortiger Finanzierung ohne Jahresgebühr und ohne Einfluss auf die Kreditwürdigkeit für Anspruchsprüfungen. Zu den wichtigsten Merkmalen gehören flexible Rückzahlungsoptionen ohne erforderliche Monatszahlungen bis zum 31. März 2025 sowie die Möglichkeit, über Steuererstattungen für H&R Block-Kunden zurückzuzahlen. Der Kredit hat einen 35.9% APR mit Beträgen von $350 bis $1,300. Anträge können in fast 4.000 teilnehmenden H&R Block-Büros eingereicht werden.
- No annual fees or application fees
- Same-day funding up to $1,300
- No credit impact for eligibility check
- Flexible repayment terms with no monthly payment requirements until March 2025
- High APR of 35.9%
- loan amount range ($350-$1,300)
- Short application window (Nov 1 - Dec 31, 2024)
Insights
This loan product launch represents a strategic move in H&R Block's consumer lending portfolio. The 35.9% APR is competitive for an unsecured short-term loan product, especially considering the lack of application fees and credit check requirements. The timing ahead of the holiday season and tax preparation period is calculated to maximize customer acquisition and cross-selling opportunities.
The March 2025 repayment deadline aligns with typical tax refund timing, creating a natural repayment mechanism through H&R Block's tax preparation services. This product strengthens HRB's financial services ecosystem, connecting their Emerald Card, Spruce banking platform and tax preparation services. The flexible repayment terms and same-day funding capability address key pain points in the short-term lending market while potentially driving customer loyalty and retention.
No annual fee, no impact to credit to check eligibility, and no payment required until March 31, 2025
KANSAS CITY, Mo., Oct. 29, 2024 (GLOBE NEWSWIRE) -- H&R Block (NYSE: HRB) today announced the opening of the 2024 application period for the H&R Block Emerald Advance® Loan1. Applications will be accepted November 1 through December 31, 2024. The Emerald Advance® Loan originated by Pathward® N.A. provides qualifying individuals up to
“During the holiday season, tight budgets can create additional stress on individuals and families already facing tighter budgets. The Emerald Advance Loan is designed to be simple to apply for and flexible to pay back, for those who need a little extra financial breathing room this time of year,” said John Thompson, Vice President of Financial Services at H&R Block. “By streamlining the application process and eliminating annual fees, the aim is to make it as simple as possible for families to get the assistance they need.”
The Emerald Advance Loan has no application fee, and checking eligibility won’t impact a customer’s credit. With no monthly payments required, approved customers now have more flexibility to pay what they can, when they can as long as they pay the loan in full by March 31, 2025. There are convenient repayment options, including using a debit card, check, or money order. And for those who file their taxes with H&R Block this upcoming tax season, the loan can conveniently be paid back with their tax refund.
Anyone can apply for the H&R Block Emerald Advance® Loan during the application period which runs from November 1 through December 31, 2024. To check eligibility and apply, go to HRBlock.com to make an appointment at one of nearly 4,000 participating H&R Block offices. H&R Block associates will gladly assist with the application process. Approved applicants could leave with funds on an Emerald Card®2 or deposited to their Spruce account2.
To learn more, and make an appointment to apply for Emerald Advance today, visit HRBlock.com
1 H&R Block Emerald Advance® Loan originated by Pathward®, N.A. Subject to eligibility and credit approval. Annual Percentage Rate (APR) is
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: | Michaella Gallina, (816) 854-3022, michaella.gallina@hrblock.com Jordyn Eskijian, (816) 854-5674, jordyn.eskijian@hrblock.com |
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