Who does loans against tax refunds?
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Almost no one does ... and turbotax has extremely limited offerings starting in late January to select users ONLY ... you cannot opt in you can only opt out if a loan is offered.
Does almost everyone get a loan?
If you are eligible and approved for the refund advance loan, you can receive a 0% APR loan equal to a portion of your tax refund, up to $2,000. Please see the below FAQ for additional information about the Refund Advance: https://ttlc.intuit.com/community/refunds/help/about-refund-advance/00/27333
Please see the below TurboTax FAQ for more information on the application process for the Refund Advance and how to apply: https://ttlc.intuit.com/community/refunds/help/about-the-refund-advance-application-process/00/25557
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