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After you file
my girlfriend did it, she received her refund within 24-48 hours with credit karma. she called credit karma (not emailed) waited until they answered because there is a wait time on the phone (pretty sure like 20min) then she told the CK rep that she had applied and had been approved for her loan with turbotax and is calling to make sure they know that she is supposed to be receiving money into her CK account. they said yes and told her it should be in her account within 24-48hrs and it is based off of TURBOTAX approval process. she then called turbotax to make sure she and CK and turbo themselves were all on the same page. making sure that on their end it said she was approved and was supposed to be receiving the amount she was granted within 24-48hours. they said yes. after that she just waited and got her money within that time span. she received a text saying she was approved and she received a notification from CK when her deposit hit. so no. turbotax did NOT lie. just make sure youre polite and follow the steps correctly and the outcome will be as promised.