See Offer details and disclosures for the Refund Advance program for more information.
See these resources for more information:
The IRS' 2024 tax filing season set for January 29 page
TurboTax Help article When will my refund be deposited into my Credit Karma Money™ account?*
Credit Karma's What is TurboTax Refund Advance?
The IRS doesn't send advance loans.
When your return is accepted, a message is sent to Turbotax, so that turbotax can let you know your return was accepted and put the electronic postmark in your file. That confirmation will also be sent to Turbotax's financial partners who offer the advance. The advance must be reviewed, approved, and put into the ACH payment processing system to transfer the funds to your money card or wherever.
Normally, I would expect this process to take at least one business day (24 hours not counting Saturdays, Sundays and holidays. But that's just a guess.
Mine has been more the 48 hours and still nothing. I filed 31st of Jan and I have been on phone 3 days being told I'm approved then I'm not the application is incomplete to I've been approved to it's in pre qualifying status...I keep getting the run around and noone can tell me anything. I've never had a issue before.