If you have already transmitted your return and it has been accepted by the IRS you wont be able to switch to the Refund Advance Loan. Also, keep in mind that the 5-day rule applies when the IRS has processed and approved your refund and a date for direct deposit has been given. For example, if you go on the IRS website and the Direct Deposit is "scheduled" for "February 27th", that's when TurboTax 5 Days Early Option kicks in; it is not based on an assumption of when it might be ready, but rather on the actual date provided by the IRS.