The IRS doesn't send advance loans.
When your return is accepted, a message is sent to Turbotax, so that turbotax can let you know your return was accepted and put the electronic postmark in your file. That confirmation will also be sent to Turbotax's financial partners who offer the advance. The advance must be reviewed, approved, and put into the ACH payment processing system to transfer the funds to your money card or wherever.
Normally, I would expect this process to take at least one business day (24 hours not counting Saturdays, Sundays and holidays. But that's just a guess.
