TurboTax is offering refund advance loans to those who qualify. If you qualify the loan is offered at the time that you file your tax return.
You do not get the money until the 2020 e-file has been ACCEPTED by the IRS.You also have to agree to receive your refund on a new prepaid TurboTax Visa.
The IRS will begin to accept/reject 2020 returns on February 12, 2021.
It is too late to get the loan after you e-file. If the loan was offered and you did not accept it, you cannot change your mind after you e-file.