I was wondering if I could still get a loan that you offer...with no penalties or interest rates?

[bluedeb · Accepted solution]

If you have already filed your return you cannot apply for TurboTax's Refund Advance, you have to choose that option before you file.  TurboTax's Refund Advance has no interest or loan fees.  

If you’re receiving a federal refund, you could be eligible for a Refund Advance on a Turbo® Visa® Debit Card issued by GreenDot Bank, Member FDIC. If approved, you will receive temporary card info for online use within 48 hours of the IRS accepting your e-filed federal return. This temporary card info will work for 15 days or until you activate your physical Turbo® Visa® Debit Card, which will arrive in 5 to 10 business days of IRS acceptance and loan approval. 0% APR & $0 loan fees. This offer is available until February 7, 2020, or until available funds have been exhausted, whichever comes first. Availability subject to change without further notice.