Core Insights - H&R Block has announced the 2025 application period for the Emerald Advance Loan, a fixed-rate short-term loan available from November 3 to December 31, 2025, with amounts ranging from $350 to $1,500 [1][4]. Loan Features - The Emerald Advance Loan aims to reduce financial stress during the holiday season, offering a convenient application process and flexible repayment options [2]. - There is no annual fee or monthly payments required; borrowers must repay the loan by March 31, 2026 [2][4]. - The loan has an Annual Percentage Rate (APR) of 35.9% [4]. Application Process - Customers can apply for the loan at participating H&R Block offices or online, with approved applicants able to access funds quickly via an Emerald Card or Spruce account [3][4]. Company Overview - H&R Block, Inc. provides tax preparation services, financial products, and small-business solutions, combining digital innovation with human expertise [6]. - The company also offers a mobile banking app, Spruce, to help clients manage their finances better [6]. Partner Information - The Emerald Advance Loan is originated by Pathward, N.A., a national bank focused on increasing financial access and availability [7].