Yes, if you Efiled before the official IRS date, your return may sit until that date. However, some are processed early, but there's no way to tell which ones.
It sounds like you did everything correctly, and you're right, Credit Karma will decide how much of an advance you can receive.
You can receive your funds right after your return has been Accepted by the IRS. Watch for an Email from TurboTax, telling you your return has been Accepted.
Here's how you can Check Efile Status and a link to Credit Karma Support.
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