Do I have to have my w-2s now to get a tax advance?

[xmasbaby0]

You need your W-2's to prepare your tax return.   You cannot get a refund advance from TurboTax without W-2's.

For a few weeks, TurboTax was offering a “Flex Advance” loan, but that program has now been permanently closed for the rest of the year.

In January there will be a refund advance loan that you can get only if it is offered to you at the time when you are ready to file; no money is issued to you until your e-file is accepted by the IRS.  The IRS will not begin to accept 2025 e-files until late January.