None of the answers are correct. First of the RAL (rapid refund loan) is subject to approval. So you basically have to apply and if they didnt approve you (HSBC) then you'll get a call from H&R Block the next day, and you'll have to wait 8-15 days on your refund. There is always a $29.95 fee, for the bank products H&R Block offers. Depending on how fast you want your money, the HSBC bank will charge you an additional finance charge. The finance charge depends on the amount of your refund. And there's no set percentage!!!