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

599 of 661 Hr Block reviews

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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Tax Return
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Tax services
review #167182
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Helpful? 92 Yes 92 151 No 151
Had the same issue 119 Yes 119
599 of 661 Hr Block reviews

Nov 24, 2014 #905469 Columbia, Missouri, United States

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, United States

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.

5 1 Reply

Dec 06, 2015 #1074915 Maysville, Kentucky, United States

The same thing happened to me and they reset it and still 06 code this was using my husbands pay stub. My husband applied and his had 3 codes but not a 06 code. If his pay stub gave me a 06 code which should not be the case then why didn't my husband get a 06 code?

0 0 Reply

May 27, 2014 #820740

H&R block is a *** rip off... They are the kings of false advertisement. First I was told I wouldn't be charged atm withdrawal fees as long as I used all point atms but yet H&R block charged me every time I withdrew money. Then I got approved for the cash advance and was told as long as I pay it back in time I would have a line of credit all year round but when I tried to access that line of credit I was told there was steps I had to take to be able to access this line of credit but wasn't informed of these steps until I tried to access the line of credit. Basically a bunch of bs

2 0 Reply
PO-ed Veteran

Dec 27, 2013 #764697 Greensboro, North Carolina, United States

I went also to the so called Emerald BS and got similar results. I think there should be some kind of Class Action law suit brought against them for false advertisement. I am thinking the same thing. They are just marketing for customers.

3 0 Reply
not happy customer

Dec 06, 2013 #753657 Belleville, Illinois, United States

The program is a joke they do it so they can get you to make appointment to do taxes can do your own on tax for 10 so why go there pay 250

0 1 Reply

Dec 01, 2013 #751091 Sandusky, Ohio, United States

I got denied. A first.after 5 years of getting 900 $. The reason was insuffecient cash flow to cover monthly bills. Funny though considering I'm getting an estimated 8, 000 grand back and I have been employed for years! :(

0 0 Reply

Jan 01, 2014 #766966

Its because it's based strictly on credit now...not refund amount. Look it up!

1 0 Reply

Jan 23, 2013 #597949 Los Angeles, California, United States

I don't understand why people get so ticked off. This is a loan from A BANK!!!! If you walked into your own bank and tried to get a loan with bad credit, would you still feel the same way?????Stop blaming H&R Block for your bad credit. and PS they have checked credit for YEARS! They are just putting more stock into it. My husband was pre approved this year and we have HORRIBLE credit. All we had to do was go in sign a couple of papers. They didn't even check and see if we were getting any money back. As for 80% of people not getting it where do you live ?????? Cause I know tons of people that got the LOAN this year. It just completely cracks me up that people blame a BANK for not getting a loan. :grin

16 3 Reply

May 31, 2013 #658319 Saint Petersburg, Florida, United States

Actually you are wrong. This is not a traditional loan that is subject to credit approval like loans from other banks. Your tax return can be used to pay this back. I use it every year for Christmas and I have not once been denied AND my credit is shakey at best. Just sayin' are wrong.

17 1 Reply

Jan 01, 2014 #766965

Actually your the one who is wrong. The GOVERNMENT stopped refund anticipation loans a couple years ago! It's called Emerald Advance Line of Credit now.

1 2 Reply

Jan 06, 2015 #926832 Stephenville, Texas, United States

Actually not wrong. They even tell you that the bank checks credit. We get over 8,000 back every year and never qualify for the loan. But we both have *** credit, so I can't be mad. And yea last year we were told the same...less than 20% qualify, usually because they didn't work the full year, as was my case 2 years ago. That's the insufficient cash flow code people are talking about.

0 0 Reply

Dec 03, 2015 #1073125

H&r block confirmed that anticipation loans are no longer allowed and that it is traditional loan that you have the "option" to pay with your tax return you don't "have" to. So yes you are wrong

0 0

Nov 29, 2016 #1247754

If you would read the comments... no it dosent just go by credit!

0 0 Reply

Dec 14, 2012 #582113

I have always been approved for the Emerald Advance. However, if your student loans are delinquent and show up on your credit report that loan may not be approved. That's the reason mine was not. It makes sense though if the government is going to take the student loan. How does H&R Block know they will get their money back. Listen sometimes in life there is another door the blessing needs to come through. Just be encouraged and trust The MOST High who is also known as Jehova Jireh.

8 0 Reply

Jan 23, 2013 #597883 Phoenix, Arizona, United States

You claim your always approved and then you say you were denied!!! Which is it? Looks like your student loans are a waste of money and time!!

0 0 Reply

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