Turbo Tax advertising for the refund advance loan with Credit Karma is misleading. It says
"When will I get my Refund Advance?
You'll get your Refund Advance funds typically within one hour of the IRS accepting your e-filed federal tax return (estimated late-January)."
Per First Century Bank, who issues the refund advance, it's when the IRS APPROVES your tax return, not when they accept it.