In the past several years, there have been refund advance loans available during January and February, for which you must be eligible. You cannot "apply" for the loan. It has to be offered to you, and you have to agree to have your refund put on a Credit Karma card. You receive the money AFTER the IRS accepts your e-file--not before. So----the next chance to get a loan if you are using TurboTax will be in early 2025.