After you file


@Brmthompson wrote:

@Opus 17 

The refund advance is a separate option from the 5 day early option. The refund advance with Turbo Tax via Credit Karma does not charge you at all for the loan. Also, with the refund advance, you get the money same day the IRS accepts it.


I know that.  The original topic is about the 5 day advance payment, you jumped in and I guess you are trying to change the topic.  The other difference is that "5 days early" is available to everyone for a $25 fee and can be the entire refund amount.  The advance loan is usually only for a partial advance, and only if you qualify (and the qualifications are secret) and only if you live in certain states.