Turbotax has simply never offered traditional "refund anticipation loans" (which have interest rates as high as 36% APR.)
What Turbotax offers is a portion of your refund, paid after your return is electronically accepted by the IRS, at zero interest rate. The deal is based on credit and other eligibility factors (it's not available in some states, for example). It is, for most people, a way to get their refund 3 weeks early, but only after you file an official tax return and never before the holidays season.
