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The Advance Refund loan won't be available until after January 1 and just when you are ready to file. And only if they offered it to you. You can't self select it. Then you don't get it until AFTER your efile is Accepted by the IRS.
https://turbotax.intuit.com/refund-advance/
It says......after IRS acceptance.
And see this FAQ
https://ttlc.intuit.com/community/refunds/help/about-refund-advance/00/27333
No. Refund advance loans are not available from TurboTax at this time. TurboTax’s loan program typically starts in January and ends in mid-February. The loan has to be offered to you when you are ready to e-file, and you have to agree to have your refund put on a credit karma card. You do not receive any money until your e-file has been accepted by the IRS—-and the IRS will not begin to accept e-files until at least mid to late January.
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