NO
The refund advance loans are only given during tax season in January to mid-February. You cannot "opt in." The loan has to be offered to you, and is only given to you after the IRS accepts your CORRECT 2022 e-filed return.
No. A 2021 W-2 can only be entered on a 2021 tax return. You cannot put it on a 2022 return. And the refund advance loans---which are not available yet---are only given to users who are e-filing a 2022 tax return.
Did you miss filing your 2021 tax return? If so you can still file it but it has to be filed by mail, which will take six months or more.
Online preparation and e-filing for 2019 and 2020 and 2021 is permanently closed.
To file a return for a prior tax year
If you need to prepare a return for 2019, 2020 or 2021 you can purchase and download desktop software to do it, then print, sign, and mail the return(s)
https://turbotax.intuit.com/personal-taxes/past-years-products/
You may also want to explore purchasing the software from various retailers such as Amazon, Costco, Best Buy, Walmart, Sam’s, etc.
Remember to prepare your state return as well—if you live in a state that has a state income tax.
When you mail a tax return, you need to attach any documents showing tax withheld, such as your W-2’s or any 1099’s. Use a mailing service that will track it, such as UPS or certified mail so you will know the IRS/state received the return.
Federal and state returns must be in separate envelopes and they are mailed to different addresses. Read the mailing instructions that print with your tax return carefully so you mail them to the right addresses.
Note: The desktop software you need to prepare the prior year return must be installed/downloaded to a full PC or Mac. It cannot be used on a mobile device.
If you are getting a refund, there is not a penalty for filing past the deadline. If you owe taxes, the interest/penalties will be calculated by the IRS based on how much you owe and when they receive your return and payment. The IRS will bill you for this; it will not be calculated by TurboTax.