Although you are pre approved based on what is on your return the bank doing the loans will also review your situation AND your credit report to determine if they will approve the advance ... nothing is certain until the return is filed ... that is in the contract you signed.
https://ttlc.intuit.com/community/refunds/help/important-offer-details-and-disclosures-about-refund-...
Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be for one of ten amounts: $250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500, or $4,000. Your loan amount will be based on a portion of your anticipated federal refund to a maximum of 50% of that refund amount (minus any stimulus payment credit, also known as Recovery Rebate Credit). You will not receive a final decision of whether you are approved for the loan until after you file your taxes. Loan repayment is deducted from your federal tax refund and reduces the subsequent refund amount paid directly to you.
