Income Tax Advances is an online lender that provides safe and secure refund anticipation loans to consumers who have their paycheck direct deposited into a checking or savings account. Since we base your refund anticipation loan off your income you are never required to supply a copy of your income tax return and you can apply even before you file your taxes and you can apply right here online. We collect information about your bank account details, as well as employment details, and we H&R Block offers something it calls Refund Advance. It’s a short-term loan worth $500, $750, $1,250 or $3,000 depending on your refund amount. So if you expect a refund of $600, you can apply for a $500 refund advance. H&R Block charges no interest on the loan. There also aren’t any finance charges or fees. This amount is based on your federal refund amount, personal info, tax info, and any third-party data we may consider. Refund Advance is available in amounts of $250, $500, $750 and $1,000. This table shows the maximum Refund Advance for each expected refund range.