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See this TurboTax support FAQ for the 2025 federal tax refund advance - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/offer-details-disclosures-ref...
No money is issued for the advance loan until your return has been accepted by the IRS. The IRS will not begin to accept/reject e-files until 1-26.
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