How Do You Apply for an H&R Block Emerald Advance Line Of Credit?

To apply for an H&R Block Emerald Advance Line of Credit, make an appointment at a participating H&R Block office and bring identification and the required documentation to the appointment. Required documentation includes an earning statement and proof of address, according to the company's official website.

H&R Block Emerald Advance Line of Credit is a credit option that offers monthly minimum payments as low as four percent of the outstanding balance, according to the company's website. As of 2015, costs include a $45 annual fee and 36 percent annual percentage rate of interest. Credit holders can choose from a variety of repayment options, including transfers from an Emerald Card prepaid card, debit, check, cash or tax refund. Run through the following steps to apply for an H&R Block Emerald Advance Line of Credit.

  1. Make an appointment
  2. H&R Block offers its Emerald Advance line of Credit through select H&R Block office locations. New clients can apply for a line of credit directly at an office. They can book an appointment online through the company's official website,

  3. Gather the required documentation
  4. Although H&R Block does not require W2 forms, it does request several other documents. These include an earning statement such as a pay stub, government-issued photo identification such as a driver's license and proof of address such as a bank statement or bill. All documentation must be valid and up to date.

  5. Go to the appointment
  6. Go to the H&R Block office on the date and time of the appointment. Bring all of the requested documentation to the appointment. Customers can choose to receive their line of credit on an H&R Block Emerald Prepaid MasterCard, as reported by a press release on If they choose this option, they should also bring their card to the appointment.