We can't really tell you that. After your return is accepted by the IRS, your application will get sent to the lender for underwriting. We don't know exactly what that means or what the bank will do; I think I read that they don't do a credit report, but I don't know what they will be looking for to determine if you are a good loan risk or not. So we really can't tell you your chances of being approved.
One amusing thing is, if you are approved, the terms of service have no provisions to take back the money if your refund is not paid. In other words, if your entire refund was canceled or offset, there appears to be no way for the bank to get back their money from you.
