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The Refund Advance usually starts in January and just when you are ready to file. You can apply for Refund Advance when you choose your refund method. Then you don't get it until AFTER your efile is Accepted by the IRS which is usually late January.
https://turbotax.intuit.com/refund-advance
See this for details and questions
https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-advance/L52Mg0G5u_US_e...
For a few weeks, TurboTax was offering a “Flex Advance” loan, but that program has now been permanently closed for the rest of the year.
In January there will be a refund advance loan that you can get when you are ready to file; no money is issued to you until your e-file is accepted by the IRS. The IRS will not begin to accept 2025 e-files until late January.
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