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After you file
So it’s very shady and misleading because you can’t see the option until after you pay and even then it only shows two options 1. Credit karma 5 days early or 2. Another card option and right below it in (blue I think) it says “no thank you” and you have to click on that for it to show you the refund advance option. I did it and it approved me, I’ve done it 3 yrs in a row and then at the very end it said “ oops sorry not available rn, we’re aware of the issue” so I just didn’t pick a deposit option yet or sign. Now going back on it doesn’t even show that option, not sure if it has to do with the govt account freeze yest or the site. They also didn’t apply my promo code and they never honor the $25 referral coupons they offer I’ve done it many times and the only reason I stick with them is for this advance option otherwise they are super shady!!!