How can you apply for a loan if you getting a refund?

[xmasbaby0]

 One of the options you can select when you are ready to file is to get a refund advance loan,    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.

And…..do not file a tax return without ALL of your income documents; you must include every 2023 W-2 on the same tax return.  Employers have until the end of January to issue W-2’s.   Wait until you have all of your W-2’s.  Clients, schools, Social Security, banks and other financial institutions may not have tax documents available until late January/early February.  ALL of your tax documents must be entered on the same Form 1040; do not file unless you have entered everything.

https://turbotax.intuit.com/refund-advance

[missbelcher2013]

How much can the loan be and once accepted does it deposit to your account right away?

[xmasbaby0]

@missbelcher2013 If you are eligible for the loan, it is based on how much your refund will be.   No, you do not get the money "right away."   You do not get any money until the IRS accepts your e-file.   The IRS will not begin to accept/reject e-files until late in January.   Even if you e-file now  (which is not a good idea) your return will just be sitting on a server for a few weeks until the IRS opens up.

https://turbotax.intuit.com/refund-advance