Angels Camp, CA…Transforming the taxpayer experience with transparency, no interest and no loan fees. H&R Block offers tax office clients the easiest way to get the most money interest free through applying for a Refund Advance Loan* of up to $3,500 starting Jan. 4. Federal tax refunds can take 21 days to receive, and the IRS expects it will be the first week of March before most people who claim the earned income tax credit or additional child tax credit receive their refunds. However, the Refund Advance, a no-fee, no-interest loan from Axos Bank® offered Jan. 4 to Feb. 29 at participating H&R Block offices, allows clients to access money typically within minutes of filing their tax return.