TurboTax will let you e-file as of January 4. They (and other tax software companies) allow that to garner marketshare. Even if you e-file then, your return will just sit on a server— going no place—-until the IRS begins to accept/reject e-files later in January.
One of the options you can select when you are ready to file is to get a refund advance loan,
You do not receive any money until your e-file has been accepted by the IRS
—-and the IRS will not begin to accept e-files until at least mid to late January.
And…..do not try to prepare a tax return without ALL of your income documents; you must include every 2023 W-2 on the same tax return. Employers have until the end of January to issue W-2’s. Wait until you have all of your W-2’s. Clients, schools, Social Security, banks and other financial institutions may not have tax documents available until late January/early February. ALL of your tax documents must be entered on the same Form 1040; do not file unless you have entered everything.
https://blog.turbotax.intuit.com/life/tax-documents-checklist-how-to-win-big-this-tax-season-53328/
Until ALL the forms in your return are ready to be efiled you cannot complete the FILE tab where you may be offered an advance ... you cannot apply for it yourself. Click on the REVIEW tab to see what forms you are waiting on and when they could be available as dates may change.