They call it an advance however it is really an interest free loan but you have to use the refund processing service for an extra fee AND open a bank account with Credit Karma this year to get access to the funds. There is always red tape ... there is no "free lunch". Since you are opening a bank account (with debit card access) they are allowed to be selective to whom they accept as clients and banking regs lets them pull a credit report on you even if it is a "soft hit".
