I applied for the advance loan I see the credit karma card but no funds is on it

[xmasbaby0]

You do not get any money for the advance until the IRS accepts your e-file.  The IRS will not begin to accept e-files until late January.

[VolvoGirl]

You don't get the Advance until the IRS accepts  your return and the IRS won't open efiling until late January.  And it is not a loan, it is just an Advance on your refund.   

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

[DoninGA]

See this TurboTax support FAQ - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/offer-details-disclosures-ref...

If approved, your Refund Advance will be deposited into your Credit Karma Money™ Spend checking account, typically within 15 minutes after the IRS acceptance of your e-filed federal return. You may access your funds online through a virtual card and your physical Credit Karma Visa Debit Card* should arrive in 7–14  days.