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Level 3
posted Jan 20, 2025 7:54:25 AM

How long does it take before you know if you were approved for the Refund Advance? The IRS accepted my federal return on 1/17/25?

This will be my 3rd year getting the Refund advance. I have an account with Credit Karma already. Last year it was deposited within minutes of the IRS accepting my taxes.

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24 Replies
Expert Alumni
Jan 20, 2025 7:59:23 AM

See this resource for more information: 

Offer details and disclosures for the Refund Advance program

Level 1
Jan 20, 2025 9:00:23 AM

Same think with me?  I completed them 1/13, got the notice they were accepted 1/17, but no advance (for which I was approved within the process of completing my taxes.  I called TT, got runaround and then told to call CKarma, from whom I also got runaround and pointed back to TT.  I called TT the next day (after spending 2 hours on calls the day prior) and FINALLY reached a more experienced customer service person who said to watch for it around the 27th, when the IRS officially opens up "acceptance" of tax returns on e-file.  She said she couldn't be certain that this was at-issue, but in going through my file and the approval, that this seemed the most glaring hurdle to my advance -- that the IRS wasn't officially open yet, so THAT date of 1/27 could be the trigger for everyone.  So, I'm waiting with you!

Level 1
Jan 20, 2025 9:06:38 AM

I think you should have gotten it already. I also filed on the 17th, but did not accept us yet

Level 3
Jan 20, 2025 10:56:46 AM

This is weird cause the IRS didn't officially start accepting returns until Jan 27th of last year. Yet mine was filed and accepted on 01/19/24 and the advance was deposited into CK account within a minute of that. 

 

I called TT and they said I was showing as a paper check. I told them no that's for my State only. I looked all over my account to find some kind. of paperwork (cause I had to sign all kinds of stuff) and can't find anything anywhere regarding my filing method.  TT said I was denied the Refund Advance then, but then I remember reading somewhere that when it's officially approved I will get an email with the refund advance amount I was approved for. I have not received that email so fingers crossed its delayed because it's a banking holiday or something. Cause 27th is not minutes after being accepted.  

Level 9
Jan 20, 2025 3:38:49 PM

Sometimes the IRS does some early  testing of returns.  If yours was accepted early you would still have to wait until after the 27th of January for the refund advance.

Level 2
Jan 27, 2025 12:24:28 PM

Yup SAME HERE!! Last year I got it almost instantly.  This year I didnt pay attention to the dates So GOD WILLING today/tomorrow the latest sometime this week we should be good!! #WaitingwithYou

Level 2
Jan 27, 2025 1:47:02 PM

Same! State got accepted today and federal days ago but still no advance. Please post if you get yours. 

Level 1
Jan 27, 2025 2:06:31 PM

Still nothing, called TT AGAIN

& now they say the bank can decide not to approve, even if it showed as approved when I did my taxes?!  So I may not get the advance at all now?!  They gave me a number for First Century Bank, will maybe call tomorrow.  Something tells me that’d be a waste of time.  SNAFU much, TT?  

Level 3
Jan 27, 2025 2:57:10 PM

Still nothing here either.  No email from Credit Karma regarding an approval or denial.  Previous years got the email from them right before advance was posted to the account after IRS accepted it. Same with year before last. I tried to find the documents that I had to e-sign for filing etc. and was told you can find the Electronic Filing Instructions for your 2024 Federal Tax Return to verify the method I selected to receive my refund.  I went to Print center and selected to Include government and TurboTax worksheets (which is where someone said it was) and I do not see anything regarding the filing instructions. I want to know where the documents are that I had to consent to with my e-signature. 

 

On the plus side, my State return was accepted today. 🙂

Level 3
Jan 27, 2025 2:58:15 PM

Nope. Nothing today!

Level 2
Jan 27, 2025 3:07:52 PM

Same here! Fed was accepted 1/23 state 1/25 but no advance today lol. 

Level 2
Jan 27, 2025 4:14:13 PM

Same exact thing here. No email, no deposit. 

Level 2
Jan 27, 2025 4:37:53 PM

So I literally went through the same thing today. I filed Sunday morning 1/26 at 5:45 am.  Today Monday 1/27 around 2:36pm I received an email from TurboTax stated my federal was accepted by the IRS. Last year I got in within minutes! This year I haven’t gotten anything pertaining to the advance. I waited 2-3 hours called turbo and they said on their end I applied and I completed the process and application to call credit karma. So I called credit karma and they said they see I attempted to apply for it, but my application is in complete call turbo tax. Called TurboTax back and they said the same as the did first time I called. Smh 

Level 2
Jan 27, 2025 5:52:45 PM

Okay so I waited 4 more hours called back to credit karma the lady said same thing “initiated but incomplete”. So I called TurboTax back. One of the lady’s at TurboTax said that she heard from the higher ups that there was some kind of issues with the distribution part of the advance but said everything should be fixed and we should have our money by the 29th and if not to get ahold of TurboTax again idk I felt like she was sincere but a part of me felt like she was just telling me that to get off the phone. But she did say someone else called in with the same issue and that’s what one of the hire ups saidz! I’m gonna learn more patience and wait till the 29th then call back! 

Level 3
Jan 27, 2025 6:03:41 PM

Which would make sense.  I have seriously been sitting here for several days thinking something is very wrong and honestly felt like TT didn't file my return as I had selected or there was an error on TT ends and my refund advance was never submitted to CK. I have yet to locate the document that shows the method I chose to receive my refund. I have looked in the location was told its at and there is no such document stating my method of refund. I can't locate any of the information I have to E-sign before I transmitted my return

 

Level 3
Jan 27, 2025 6:06:06 PM

Which makes me also believe that is why some people weren't seeing or given the option to file with the Refund advance.  TT knew there was an issue and removed the option until it was resolved. Just my thoughts and opinion.

Level 2
Jan 27, 2025 6:13:36 PM

Kind of the same situation as well. I can’t see any of the documents I signed either but I can for 2023 which makes me think too there is something really wrong. I haven’t received one email/notification about me applying for the refund advance. Makes me so nervous I need that refund advance to hire a lawyer and it’s just my luck this happened this year. Last year I had no issues my first time. even the TurboTax lady apologized and said she was sorry and said she knows it’s always something with turbo every year 

New Member
Jan 27, 2025 11:19:12 PM

If you haven't already check the spam folder in your email app. There the answer may lie.

Expert Alumni
Jan 28, 2025 6:30:00 AM

Here is an FAQ: When will I get my Refund Advance? Be sure to check your spam folder if you don't have an email.

Level 2
Jan 28, 2025 7:37:51 AM

Hello thank you for your response after the comment above you I did go and check my spam folder. I did receive an email from TurboTax on January 24th saying that my refund advance loan was not approved. That is because I accidentally applied for the major majority of my tax refund to be sent early. Not the refund advance that only gives you a small portion if you are approved. So I didn’t file when I realize that I applied for the wrong advance, I deleted and cleared my return on Friday January 24th, which involved me starting over completely. I waited until Sunday January 26th to start my filing process. After I uploaded all of my forms I got to the end and chose the refund advance which was the first option (up too 4,000) I signed the consent forms to release over information for the banks approval. it said that once the IRS accepted my return, I would get an email notifying me if I was approved for the refund advance once the irs accepted my return. I have not received any email about approval or denial anbout the advance and my return was accepted on January 27 at 10:34 AM. 

New Member
Jan 28, 2025 7:50:32 AM

Download your return and on then 1040 page it shows where your return is being deposited.

Expert Alumni
Jan 28, 2025 7:57:41 AM

I assume you have checked your spam email again, @Sbailey91 . What Michah92 says, might give you a clue based on where your refund is going.

Level 2
Jan 28, 2025 8:01:36 AM

I would love to know too. I got my advance last year within a few hours of my taxes being accepted. This year they were accepted yesterday around 3:15pm and still no sign of my advance. So I don't know what is going on. But I'm worried because as a widowed single mom of 3, I desperately need that advance. 

Level 2
Jan 28, 2025 8:05:28 AM

I was just informed from a TT representative that if you did not receive an email saying specifically "congratulations on your refund advance" then most likely it has not been approved. They are using a different bank this year and TT claims that even though we are getting the "congrats" on turbo tax, its only a PRE_APPROVAL 😫 and once its submitted to the bank the bank is denying it.  TT is gonna have a LOT of upset people this year