Why am I not being given the option to apply for a refund advance loan? Only given the option to receive a refund by direct deposit

https://turbotax.intuit.com/refund-advance/

Thanks but I’ve already read that three times and read it again just now that still doesn’t answer my question but thanks anyway

@melaniedaniel540 If the loan is not being offered to you then you do not meet one of the requirements,  Sorry,  It has to be offered---you cannot apply,   And you cannot change it after you e-file,

Thanks. To my knowledge I meet all the requirements so I don’t understand why I’m not being offered the advance refund loan. I’ve been a TurboTax customer for years but will probably have to take my taxes this year to a competitor that offers this loan option to me 😔

I am having the same issue. Is there a way that I can set up for the advance loan ? I have been getting it ever since I have been with turbo 

I meet all of the requirements and still am not being able to get the advance.

@Boobiee17 

REFUND ADVANCE LOANS

No-one in the user forum can see your information, so we cannot tell you why you did not qualify for the advance.   It might have something to do with the state you live in, or you might have some other disqualifying reason—-we cannot see nor can we exert any control over it.

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Refund Advance eligibility

Here are some of the eligibility requirements to qualify for a Refund Advance loan:

• You’re 18 or older
• You’re not a resident of North Carolina, Connecticut, or Illinois
• You’re e-filing your federal tax return with TurboTax
• Your physical address is listed on your tax return. Your address must be located in one of the eligible states and can’t be a PO box or prison address
• You’re not filing one of these tax forms: 1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862
• You aren’t filing on behalf of a deceased taxpayer
• You must report income on a Form W-2, 1099-R , Sched C, or Sched CEZ

The refund loan will not be available until later in January when you can e-file your 2021 return.   The money for the loan is not given to you until the IRS ACCEPTS your e-file.  The IRS will not begin to accept e-files until January 24.

You cannot apply for the refund loan.  It has to be offered to you, and you have to agree to the terms—-which have changed since last year——so read some information——and pay attention to the details in the fine print …  https://turbotax.intuit.com/refund-advance/

I am having this issue as well so someone needs to step up to looking to this. 

@mstokes1992 

See this info

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/offer-details-disclosures-refund-advance-program/L4ljXp6TI_US_en_US?uid=ld9q8wt1

I'm not even getting an option for it.

@mstokes1992 

See this info

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/offer-details-disclosures-refund-advance-program/L4ljXp6TI_US_en_US?uid=ld9q8wt1

I think it is because the IRS hasn’t opened yet. Once they start accepting online filing it should be available. Because in order to get the advance your return has to be accepted first. So wait until then. This year I think they start accepting online filing Saturday the 18th of January. Don’t send anything through officially until then, the option should pop up. Hope this helps!

@Everyday28 You posted to a thread that is more than three years old.   Here is the current information about the refund advance:

The IRS will not be accepting e-files until January 29, 2025.

The refund advances are not issued until the IRS accepts your e-file.

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/offer-details-disclosures-refund-advance-program/L4ljXp6TI_US_en_US?uid=lrp7nbvp 

https://turbotax.intuit.com/refund-advance/

Refund Advance eligibility

Here are some of the eligibility requirements to qualify for a Refund Advance loan:

• You’re 18 or older
• Your expected federal refund amount is $500 or more
• You’re not a resident of North Carolina, Connecticut, or Illinois
• You’re e-filing your federal tax return with TurboTax
• Your physical address is listed on your tax return. Your address must be located in one of the eligible states and can’t be a PO box or prison address
• You’re not filing one of these tax forms: 1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862
• You aren’t filing on behalf of a deceased taxpayer
• You must report income on a Form W-2, 1099-R, or Sched C
• You must open or have an existing Credit Karma MoneyTM checking account1.

“You posted to a thread 3 years old” was shady for no reason. Regardless of when it was posted or when the IRS starts accepting. My answer is correct. The refund advance option won’t show until the IRS  start accepting. The guy clearly stated he meets the requirements. You didn’t address the actual issue. Have the day you deserve 

Not sure what you mean by "the refund advance option won't show until the IRS starts accepting."   We have seen quite a few users who have been offered the advance  this year when they were ready to file.   If the advance is not being offered to you this year, it might be that you are not eligible.    The advance is not paid until  the IRS opens and begins to accept e-files.

I have met all of the eligibility requirements, and refund advance has never been an option. I've always made sure that I meet the requirements, and yet it has never been an option. Is there a hidden eligibility? Sorry if this comes off as sarcastic, but all of the responses we've been given have been the same. As if we haven't gone to read the requirements. Customers are telling you they meet the requirements, but we're not being given a reason why we aren't even being given the option of approval, except the reposting of the eligibility info (which at this point seems a tad condescending). 

No one in the user forum is involved with the advance -- we have no control and cannot see your information.   We can give you a link to the information, and some of the eligibility criteria.  We have no ability to help you get the advance.

For further help use the links and information provided already.

Have you found any way around this yet?

Here are a couple things to check:

• If you are using a TurboTax partner affiliate link to use the software, the Refund Advance will not be available.
• If you select the 5 Day Early Refund Delivery, you will not see the Refund Advance option, but you can return to the refund selection page and find all the options listed.

See this resource for more information: 

Offer details and disclosures for the Refund Advance program

• If you select the 5 Day Early Refund Delivery, you will not see the Refund Advance option, but you can return to the refund selection page and find all the options listed.

I chose the 5 day early refund because I didn't see an option for the Advance.  From earlier instructions, it makes it sound like the Advance option would be on this same page.  The comment above makes it seem like the Advance option is not on this same page or that you have to choose NOT to get it 5 days early in order for it to show up.  If that's the case, that should be made clear so people don't think it's not an option for them and decide to choose the 5 day early option.  :(  Now, I have already filed, thinking I had no option to get the Advance. 

Both methods get your refund up to 5 days early.

The difference is that the 5 Day Early Refund can go into your current bank account, where with the Refund Advance Loan, you need to have an account with Credit Karma.

Here's more info on Difference Between Refund Advance and Refund Advance Loan.

@Mesalw