Tax Refund Advance

Breathtaking design for home living.

Your bills won’t wait for the ATO to send your refund, so why should you? With Tax Refund Advance, you could get the money you need within minutes*, instead of weeks. It’s fast, easy and reliable.

Nam aliquet ante porta, gravida elit interdum, luctus porta sapien justo, at fringilla felis suscipit vestibulum.

How it works

Available across participating offices only

This service is currently available in participating Australian offices only. Full details and exclusions can be found here. Alternatively, give us a call on 13 23 25 to find out more.

Access up to $1000 early

Tax Refund Advance allows you to quickly access up to 50% (maximum $1000) of your estimated refund for your current income year tax return. That is, the tax year from 1 July to 30 June. Currently this is FY2024-25 returns.

Apply with your Tax Consultant

Once your return is complete, your consultant will be able to confirm your eligibility for a Tax Refund Advance invitation during your appointment. If you’re eligible, you’ll receive an SMS from Beforepay, inviting you to set up an account to unlock your Tax Refund Advance.

Access funds quickly via Beforepay

Tax Refund Advance is provided in partnership with Beforepay. Only H&R Block registered clients will have access to Tax Refund Advance on the Beforepay app. New clients to Beforepay will need to download the app through the link provided. Once you have set up your account and completed Beforepay’s risk assessment and verification process, follow the prompts to connect your bank. In most cases, your funds will be available in your bank account on the same day*. Prior users of Beforepay services will have access to the Tax Refund Advance application in their current account, post eligibility and application with your tax consultant, and are not required to set up a new account.

Enjoy easy repayments

Repay with your tax refund when it’s received from the ATO or make repayments on your own or as agreed with Beforepay.

Have a questions? We’ve got answers

  • Tax Refund Advance allows you to quickly access up to 50% of your estimated tax refund, to a maximum advance of $1,000 for a fixed 5% transaction fee. It is available to existing H&R Block Fee From Refund clients and is provided in partnership with Beforepay. Eligibility criteria applies. The Tax Refund Advance is a loan; it is not your tax refund.

  • Beforepay is our chosen partner for our Tax Refund Advance service and is a mission-driven organisation focused on providing ethical lending services in Australia. Their best known product is Pay On Demand™.

  • Beforepay is our chosen partner for our Tax Refund Advance service and is a mission-driven organisation focused on providing ethical lending services in Australia. Their best known product is Pay On Demand™.

  • No. Using Tax Refund Advance with Beforepay will not impact your credit score. Beforepay uses their own assessment criteria as part of their screening and verification process, which analyses your income and expenses to determine your eligibility. This is not a credit check. Beforepay will not appear as a credit enquiry or account on your credit report.

  • If your application is approved, in the majority of cases, the funds will be available in your bank account within minutes after Cashing Out the Tax Refund Advance. However, in some cases it may take up to 2 business days.

  • In most cases, your Tax Refund Advance will be repaid once your tax refund comes through. H&R Block will repay your Tax Refund Advance when your tax refund is received from the ATO. Your total repayment (including the 5% transaction fee) will be deducted from your tax refund by H&R Block before sending the balance to you.

    If your tax refund is not received by the due date, or is less than your advance, your outstanding repayments will be debited from your bank account based on a schedule agreed to at the time of cashing out the Tax Refund Advance.

    If Beforepay have already started deducting repayments from your account, these will be considered partial payments and will be credited against your balance owing and any remaining repayments will be adjusted accordingly.

    You can opt to settle your repayments before your scheduled debit date using Beforepay’s ‘Repay early’ function from 2 days after you Cash Out.

  • If your tax refund is not received by the due date, or if the amount of your tax refund is less than your advance, your outstanding repayments will be debited from your bank account as per your agreement with Beforepay at the time of your acceptance of the Advance with them. If Beforepay has already started deducting repayments from your account, these will be considered partial payments and will be credited against your balance owing.