TurboTax will not offer you a refund advance unless you are eligible and have completed and ready to file the 2023 federal tax return after January 1
See this TurboTax support FAQ for a refund advance - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-advance/L52Mg0G5u_US_e...
