If you are approved, your Refund Advance funds are typically available within 4 minutes of the IRS accepting your e-filed tax return. The IRS generally starts accepting returns in late January.
Once approved, you'll receive an email when your Refund Advance funds are available to spend. If you are just signing up for your Credit Karma checking account, a physical debit card will also be sent to you in the mail and typically takes 7–14 days to arrive. While you wait, you can spend your Refund Advance funds via a digital debit card from the Credit Karma mobile app.
Visit this article to link your Credit Karma Visa® Debit Card to digital wallets like Apple Pay and Google Pay.
Your remaining federal and entire state refund (minus any agreed upon fees) will be deposited to your Credit Karma Money checking account when the IRS or state tax authorities distribute your refund (usually within 21 days from IRS acceptance).
Learn more about Refund Advance.
