First your return has to be accepted by the IRS; some of loan money is available within 48 hours AFTER that
Your return is still in pending on the server because the IRS will not begin to accept/reject/process returns until January 27. Only a few returns were accepted early in a test batch. Everyone else has to wait.
https://www.irs.gov/newsroom/irs-opens-2020-filing-season-for-individual-filers-on-jan-27
So watch your emails and spam folder to make sure you know after Jan. 27 if your return was accepted or rejected.
Please read this thoroughly and click on the relevant links:
https://ttlc.intuit.com/community/refunds/help/about-refund-advance/00/27333#sh-collapse1