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The IRS does not approve the advance.
You'll get your Refund Advance funds typically within 15 minutes of the IRS accepting your e-filed tax return (estimated late January).
See this TurboTax support FAQ - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-authority/get-refund-advance/L8OE4GY...
You e-filed early, but now your return is just sitting on a server until late January when the IRS will begin to accept/reject e-files. The advance will be paid if and when the IRS accepts your e-file.
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