H&R Block's Emerald Advance is a line of credit that is available all year long, according to H&R Block. This loan can be used for anything from emergencies to paying bills.
Once approved, the loan is placed on an H&R Block Emerald Prepaid MasterCard, where it can be used to pay bills or for any purchase. Since the loan comes from H&R Block, borrowers can use their tax refund to pay back the amount borrowed.
Loan amounts vary but go up to $1,000. Borrowers have up to one year to use the money and as long as the loan is paid back in a timely manner, borrowers can repeatedly take loans out as often as necessary.