Refund advances have absolutely nothing to do with the child tax credit. The IRS is sending the monthly payments for the child tax credit to people who are eligible to receive them. Others will get the CTC as part of their refund when they file 2021 tax returns.
TurboTax will have refund advances available when you can file a 2021 return, but you cannot apply for it--it has to be offered. Then you get an advance on your tax refund on a prepaid Visa AFTER the IRS accepts your e-file.
https://turbotax.intuit.com/refund-advance
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