What loan? You need your actual W2 to file.
The Advance Refund loan won't be available until after January 1 and just when you are ready to file. And only if they offered it to you. You can't self select it. Then you don't get it until AFTER your efile is Accepted by the IRS.
https://turbotax.intuit.com/refund-advance/
It says......after IRS acceptance.
And see this FAQ
https://ttlc.intuit.com/community/refunds/help/about-refund-advance/00/27333
