Why dnt I have the option to do a refund advance
TurboTax is not offering any type of Advance on a 2019 tax refund at this time.
See this TurboTax support FAQ for an Advance - https://ttlc.intuit.com/community/refunds/help/about-refund-advance/01/27333
An advanceMSY be offered ONLY IF & WHEN the IRS is open to receive returns AND your return is able to be efiled. These will not happen before the end of January at the earliest.