Two women are smiling and looking down at a phone screen. They read a message from TurboTax that says “You’re one step closer to Instant money with Refund Advance!”
Refund Advance

Skip the wait and get up to
$4,000 instantly

No loan fees, no credit impact, 0% APR

A no-cost way to get funds in as little as
1 minute
after IRS acceptance.*

*IRS accepts returns starting late-Jan. Acceptance times vary and could take up to a day. Most receive funds within 15 minutes of acceptance.

Don't pay a cent for your Refund Advance



  • No loan fees



  • No credit impact



  • No interest

How to get your instant advance

A phone screen has an illustration of coins, a bag of money, and a clock with a message “Goodbye waiting, hello money.” There is also a push notification from TurboTax on the screen that says “Your Refund Advance has been deposited!”

Steps 1 through 3.
Choose Refund Advance as your refund option
When you’re ready to file, select Refund Advance and apply for it in a few easy steps.
Open a checking account with Credit Karma Money™ 1
We’ll help you create your account for funds to be deposited into after the IRS accepts your return.
Finish filing and start spending right away
You could get your money in as little as 1 minute after IRS acceptance and can immediately use your Credit Karma Money virtual debit card.

Don’t wait to put money in your pocket

How much can I get?

This amount is based on your federal refund amount, personal info, tax info, and any third-party data we may consider. Refund Advance is available in amounts of $250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500, and $4,000.

This table shows the maximum Refund Advance for each expected refund range. Keep in mind this is only one of the
factors that determine your Refund Advance amount.

Skip the wait and get money instantly

Estimated times your funds will be available once the IRS accepts your return:

The estimated time frame to receive your refund is instantly for Refund Advance, 21 days for direct deposit, or 28 to 42 days for a paper check.

Frequently Asked Questions

It’s true—you don't have to pay any fees for Refund Advance. As a TurboTax customer, Refund Advance is available to you at no extra cost.

We’ve worked closely with Credit Karma, LLC, MVB Bank, Inc., Member FDIC, and First Century Bank, N.A., Member FDIC to make this offer to you. This is just another benefit of filing with TurboTax!

To see our eligibility requirements, read more here.

If you’re expecting a federal refund while filing your taxes with TurboTax, you’ll have the opportunity to apply for Refund Advance at the time you choose your refund method.

After you’ve been approved for Refund Advance and open a checking account with Credit Karma Money™, you could get your Refund Advance deposited into your checking account in as little as 1 minute from IRS E-file acceptance of your return*. You can instantly access your Refund Advance with a virtual debit card and your physical Credit Karma Visa® Debit Card should arrive in 7-14 days.

*IRS accepts returns starting late-Jan. Acceptance times vary and could take up to a day. Most receive funds within 15 minutes of acceptance.

The remaining amount of your federal refund (which is your original federal amount minus the Refund Advance and any other elected TurboTax service fees) and/or state refund, if applicable, will be deposited into your checking account with Credit Karma Money™ when the IRS or state tax authorities (if applicable) distribute your refund.

When the IRS processes your federal refund, your Refund Advance loan is automatically paid back. You won’t have to do anything!

Your approved amount is based on the size of your federal refund and your tax information, along with other factors. You may not receive the maximum Refund Advance amount if one of these factors doesn’t meet the qualifying standards of the lender.

Once you’re approved for Refund Advance and your funds have been deposited in your checking account with Credit Karma Money™, you can start spending right away using your virtual card or mobile wallet where Visa® is accepted.

When your physical debit card arrives in the mail, you’ll need to activate it and can spend the money at any store Visa® is accepted.

Learn more about the benefits you get with Credit Karma Money.

Once your physical Credit Karma Visa® Debit Card arrives and is activated, you can withdraw cash at more than 55,000 fee-free ATMs nationwide.* However, there are fees for using your Credit Karma Visa® Debit Card at out-of-network ATMs. Please see Account Terms & Disclosures for more information.

*Free withdrawals available at ATMs in the Allpoint® network. Fees may apply for ATM transactions outside this network.

Unlike H&R Block, TaxAct, or Jackson Hewitt, we’ve partnered closely with Credit Karma Money. Using a Credit Karma Money™ checking account is an easy way to get your tax refund after filing with TurboTax. The Credit Karma Visa® Debit Card can be used anywhere Visa® is accepted — including online, by phone, and in stores.

Plus, with a Credit Karma Money™ checking account, you’ll have:

  • No monthly fees*
  • No penalties*
  • No minimum balance requirements
  • No ATM fees at 55,000 fee-free locations worldwide**
  • Get access to your paycheck up to 2 days early with direct deposit***
  • Enroll in direct deposit
  • Use online bill pay
  • Download the app

Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Credit Karma Visa® Debit Card issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply.

*Third-party fees may apply. Please see Account Terms & Disclosures for more information.

**Free withdrawals available at ATMs in the Allpoint® network. Fees may apply for ATM transactions outside this network.

***Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. Payor may not submit paycheck early.

The third-party lender is First Century Bank, N.A., Member FDIC. With your consent, we’ll share your tax return information with First Century Bank, N.A., Member FDIC and its subsidiaries via SSL-encrypted transmission. They'll review your info to see if you qualify for Refund Advance. Also, we’ll share the information that identifies you (i.e. your name, address, date of birth, SSN) with MVB Bank, Inc. when you open a checking account with Credit Karma Money™.

If you qualify, you’ll be notified by email. The remainder of your refund (minus the Refund Advance amount and any TurboTax fees) will be loaded into your checking account with Credit Karma Money™ when the IRS or state tax authorities distribute your refund (typically within 21 days from IRS acceptance).

If you don’t qualify after filing your return, you'll still receive your refund in your checking account with Credit Karma Money™.

Your entire federal and state refunds (minus any TurboTax fees) will be loaded into the account as soon as the IRS or state tax authorities distributes your refund (typically within 21 days from IRS acceptance).

You can easily add more funds into your checking account with Credit Karma Money™ and can continue to take advantage of all of its great benefits:

  • No monthly fees*
  • No penalties*
  • No minimum balance requirement
  • No ATM fees at 55,000 fee-free locations worldwide**
  • Get access to your paycheck up to 2 days early with direct deposit***
  • Enroll in direct deposit
  • Use online bill pay
  • Download the app

Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Credit Karma Visa® Debit Card issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply.

*Third-party fees may apply. Please see Account Terms & Disclosures for more information.

**Free withdrawals available at ATMs in the Allpoint® network. Fees may apply for ATM transactions outside this network.

***Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. Payor may not submit paycheck early.

No. Applying for Refund Advance will not affect your credit score.

1For Credit Karma Money Spend (checking) account: Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Refund Advance is a loan provided by First Century Bank, N.A., Member FDIC, not affiliated with MVB Bank, Inc., Member FDIC.

2IRS accepts returns starting late-Jan. Acceptance times vary and could take up to a day. Most receive funds within 15 minutes of acceptance.

Loan details and disclosures for the Refund Advance program:

If you are receiving a federal refund of $500 or more, you could be eligible for a Refund Advance, a loan provided by First Century Bank, N.A., Member FDIC, not affiliated with MVB Bank, Inc., Member FDIC. Refund Advance is a loan based upon your anticipated refund and is not the refund itself. 0% APR and $0 loan fees. Availability of the Refund Advance is subject to satisfaction of identity verification, certain security requirements, eligibility criteria, and underwriting standards. This Refund Advance offer expires on February 15, 2023, or the date that available funds have been exhausted, whichever comes first. Offer and availability subject to change without further notice.

Refund Advance is facilitated by Intuit TT Offerings Inc. (NMLS # 1889291), a subsidiary of Intuit Inc. Separate fees may apply if you choose to pay for TurboTax with your federal refund. Paying with your federal refund is not required for the Refund Advance loan. Additional fees may apply for other products and services.

You will not be eligible for the loan if: (1) your physical residence is located outside of the United States, a US territory, a PO box or a prison address, (2) your physical residence is in one of the following states: IL, CT, or NC, (3) you are less than 18 years old, (4) the tax return filed is on behalf of a deceased person, (5) you are filing certain IRS Forms (1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862), (6) your expected refund amount is less than $500, or (7) you did not receive Forms W-2 or 1099-R or you are not reporting income on Sched C or Sched C-EZ. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) open a Credit Karma Money Spend (checking) account with MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Opening a Credit Karma Money™ Spend (checking) account is subject to identity verification. Please see Credit Karma Money Spend Account Terms and Disclosures for details. NOTE: Due to system limitations, if you previously opened a Credit Karma Money™ Spend (checking) account and that account has been closed, you will not be eligible for a Refund Advance.

Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be for one of ten amounts: $250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500, or $4,000. Your loan amount will be based on a portion of your anticipated federal refund to a maximum of 50% of that refund amount. You will not receive a final decision of whether you are approved for the loan until after you file your taxes. Loan repayment is deducted from your federal tax refund and reduces the subsequent refund amount paid directly to you.

If approved, your Refund Advance will be deposited into your Credit Karma Money™ Spend (checking) account, typically within 15 minutes after the IRS accepts your e-filed federal return and you may access your funds online through a virtual card. Your physical Credit Karma Visa Debit Card* should arrive in 7 - 14 days. *Card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc.; Visa terms and conditions apply. Third party fees may apply.

If you are approved for a loan, your tax refund after deducting the amount of your loan and agreed-upon fees (if applicable), will be placed in your Credit Karma Money Spend (checking) account. Any remaining balance of the funds will be placed in the same Credit Karma Money Spend (checking) account once the funds are disbursed by the IRS, which is typically within 21 days of e-file acceptance. If you apply for a loan and are not approved, your tax refund minus any agreed-upon fees (if applicable), will be placed in your Credit Karma Money Spend (checking) account.