You apply just when you efile the return. Application for TurboTax Refund Advance opened on December 19, 2025. You will receive a final decision of whether you are approved for a Refund Advance after you file your taxes and the IRS accepts your return. You won't receive your funds until the IRS starts accepting returns, which is typically late January.
https://turbotax.intuit.com/refund-advance/
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What is Refund Advance?
