H&R Block Tax Refund Advance

How can I get my tax refund in advance?

As a H&R Block customer, you could unlock your tax refund in minutes (instead of weeks!) with Beforepay.

1. Sign up

Create a Beforepay account (or log in if you’re already a customer) to unlock your Tax Refund Advance. If eligible, you could advance up to 50% of your estimated tax refund (max. $1000).
2. Confirm eligibility

If you’re new, you’ll need to pass our standard eligibility checks. If you’re already a Beforepay customer you’ll need to make sure you don’t have any active loans or outstanding balances.
3. Cash out

Once approved, cash out your Tax Refund Advance and funds will be transferred in minutes. You’ll pay a 5% fixed fee for the advance. H&R Block will repay your advance on receiving your tax refund from the ATO.

What is a Tax Refund Advance?

The Tax Refund Advance is an advance of up to 50% (max. $1000) on your estimated tax refund.

You’ll pay a 5% fixed fee to access a portion of your tax refund in minutes (instead of weeks!). In most cases, repayment will be automatic – paid from your tax refund by H&R Block once received from the ATO.

Find out more here.

Who is eligible for a Tax Refund Advance?

To be eligible for the Tax Refund Advance you’ll need to lodge your tax return at a participating H&R Block office, use H&R Block’s Fee-From-Refund service and meet H&R Block’s eligibility criteria.

If you’re new to Beforepay, you’ll need to create a Beforepay account and meet Beforepay’s standard eligibility criteria.

If you already have a Beforepay account, you’ll need to pass our regular cash out assessments and ensure you don’t have any active loans with Beforepay.

Eligibility

Am I eligible for a Tax Refund Advance?

To be eligible for a Tax Refund Advance you need to meet the eligibility criteria of H&R Block and Beforepay, and:

File your tax return with a participating H&R Block Australia office using their Fee-From-Refund service
Have a minimum estimated refund from the ATO of $1000 or more as calculated by H&R Block.
Create a Beforepay account and successfully complete our verification and eligibility checks.

You can only cash out your Tax Refund Advance if you do not have a current and active loan with Beforepay.

Tax Refund Advance is available for FY25 returns.

Our standard eligibility criteria:

Be 18 years or older and an Australian resident.
Have a current driver's licence (Australian only), passport or Medicare card (or otherwise pass the identification criteria set out by Beforepay).
Be employed and earn a wage. Employment may include self-employment, provided that you are an individual and all other eligibility criteria is met.
Not earn more than 51% of your total income from Centrelink.
You pass our risk assessment, which is based on an analysis of your income, expenses and other spending behaviour.

Frequently Asked Questions

Why do I need to connect my bank?
You need to connect your bank to Beforepay for a number of reasons:
- To verify your eligibility with Beforepay.
- To transfer your Tax Refund Advance.
- To unlock the budgeting tool and spending insights in the Beforepay app.
- To arrange alternative repayments, in case your refund is late or is less than expected
How do I make a repayment?

In most cases, your total Tax Refund Advance repayment (including 5% fixed fee) will be paid from your tax refund by H&R Block once received from the ATO.

Any remaining amount in your tax refund will be sent to you by H&R Block.

If your tax refund is less than your advance, your outstanding repayments will be debited from your bank account.

You can also choose to repay early via PayID starting from 2 days after you cash out.
What if my refund is late?

Your refund may be late for several reasons, such as ATO audits.

If your tax refund is not received by the due date, your outstanding repayments will be debited from your bank account.

If your refund arrives after repayments have begun to be debited from your account, your balance owing will take into account any repayments already made.

H&R Block will only send the remaining balance to be paid.

You will be notified once we receive your repayments in full.

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