Hr Block - H&R Block Emerald Advance up to $1000

I recieved a letter with a plastic card included with information about the H&R Block Emerald Advance. Which, yes on approved credit, based on what your antisapated tax return will be, will loan you up to $1000.

I brought all the information and papers needed to my H&R Block agent. I was told to antisapate a return of $8,470.00. How ever my loan was denied within 2 seconds of my agent pressing the send button.

My agent said (I quote) "I'm sorry your loan wasn't approved. It's sad 80% of the loans aren't. I've only had one approved that I have done. People get their hopes up and should get your w-2's soon."


Why even bother to waste the paper and plastic cards with loans % like that!!!

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Monetary loss:
Product or service
Tax Return
Review category
Tax services
Review rating
5 out of 5
review #167182 by
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Helpful? 92 Yes 92 149 No 149
Had the same issue 119 Yes 119
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Jan 05 #1089371

My credit if shot and they still gave me 500$ advance

0 0 Reply

Dec 03, 2015 #1073126

You are done doing business with them because you have bad credit? Guess you do the same at the bank you use to then right?

1 0 Reply

Nov 23, 2015 #1068280

Yes I have been filling with them since 1988 I have only received one loan and have been getting denied every since. So I have not been back to h&r block since......why pay all of your money to them to get your taxes prepared and you are denied the loan.......sad.

5 0 Reply

Nov 13, 2015 #1063233

I did my taxes myself online with h and r block. To get a 1,000 back on emerald advance h and r block say now I can only get an advance for 350.00 because I did online and now a new customer so watch that!!!! better then nothing I guess.

2 0 Reply

Nov 07, 2015 #1060057

We get the loan every year and we have horrible credit, as long as you have a job and always pay them back your guaranteed

16 19 Reply

Nov 19, 2015 #1066589

I went today have been with H @R block for three years and been at the same job for 9 years aplied for the advanced loan and was denied last year was aproved for only 350.00 this year nothing ....H @ R block just lost me as a customer. ...

1 0 Reply

Nov 23, 2015 #1068666

Not true

0 0 Reply

Nov 07, 2015 #1059779

I have been using HR block for 5 years.I went to get an Emerald Advance last year I told the lady I was raising my grandson she didn't put it in the computer so I was denied she said I wouldn't get enough back to get a loan.I went back 2days later another person reset it within 10 minutes 900.00 was loaded to my card.

5 3 Reply

Jun 10, 2015 #993515 Fort Wayne, Indiana

I get the advance every year no problem

13 1 Reply

Jan 21, 2015 #934428 Saginaw, Michigan

I need money for the wedding

1 0 Reply

Dec 08, 2014 #913110

I've never had a problem with H and R Block

7 0 Reply

Nov 25, 2014 #906080 Belleview, Florida

I am so pissed F u h & R block says i have insufficient cash flow which is not the case!!

0 0 Reply

Dec 04, 2014 #910622 Little Rock, Arkansas

What mine said. Ahhhhwish I would have know and not wasted my time. My agent was super sweet though.

0 0 Reply

Nov 25, 2014 #905967 Seattle, Washington

I got denied too. How incredibly disheartening...Ive been a client for YEARS. My 6 year old and I really needed that.

1 2 Reply

Nov 24, 2014 #905550

I am going to see if I get approved tonight. If I do not they will lose a customer that's for sure. I will do it my *** self.

3 0 Reply
upset loyal consumer

Nov 24, 2014 #905505 Saginaw, Michigan

I was always approved for a h&r loan and today I was denied for a loan so now I don't think I will continue my tax services wit h&r block nd I have been a consumer for over 14years

2 0 Reply
Unhappy ex customer

Nov 24, 2014 #905472 Columbia, Missouri

H&R Block sucks!!!

1 0 Reply

Nov 24, 2014 #905469 Columbia, Missouri

I was denied this year. The code was to many credit inquires on my credit report.
I bought a new car this year. I have used H&R block for 17 years now and received loans in the past and paid them back on time and in full!!! HSBC Bank is even on my credit report/Experian with a positive standing!!! I was listening to others in the office that were way less qualifying than I for sure am!!! I've held my job for over 5 years and more $$ than I did last year.

0 0 Reply
Unhappy ex-customer

Nov 24, 2014 #905406 Yazoo City, Mississippi

I agree. H&R block is a rip off! My husband and I have gotten the advance with them the past two year, and we both have decent credit. Then, I apply this year and it gave us a code (06) saying that we were denied. The code said we had insufficient cash flow for 2015.... which makes ZERO sense. I called and the operator at the call center said that code shows up for seasonal workers. My husband is not a "seasonal" worker. He has been at this job for 2 years and works 6 days a week. The "tax professional" said that we make twice as much as the last 2 other people made that just got approved, and she said it didnt make sense either. I will not use H&R block anymore. We had planned to use the money for christmas. It is rather disappointing.

4 1 Reply

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