for the emerald advance there are three basic requirements-you have to have done you taxes with hr block before, you have to have a current paystub or w2 (also a picture ID, but that's a given), and owe no debt to hr block (also a given)
for the income requirements-must have 10,000.00 (or more) in yearly income, plus be expecting a 1000.00 refund.
good things about the loan-it is actually a line of credit which you can use again and again without paying renewal fees.
it comes with on a card which you can use if you want to as a checking acct.(direct deposit available)
bad things- a line of credit is still a loan, and I have no word on the interest rate(I'm quoted 9-36 percent.). also the card has all sorts of rules-if you follow the rules you're gold, but if you don't they'll stick ya- you know "terms and conditions" apply etc.
It looks like it could be a good product, if you use it wisely.
local hr block office