Refund Advance

$0 Loan fees. 0% APR.
Up to $4,000

Skip the wait! You could get an instant Refund Advance* in as little as 30 seconds
after IRS acceptance.

*Funding occurs after IRS acceptance. Acceptance times vary. You could get money in seconds, most customers receive funds within 4 minutes of acceptance.

Don't pay a cent for your
Refund Advance



  • No loan fees



  • No credit score impact



  • No interest


How to get your Refund Advance instantly2

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
Now that Credit Karma and TurboTax are both part of the Intuit family, we'll help you create your 100% free to open account when you're ready to file.
Finish filing and start spending after approval
You could get your money in as little as 30 seconds after IRS acceptance and can immediately use your Credit Karma Money virtual debit card.

Don’t wait to put money in your pocket

Estimated times funding 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.
*Actual customer testimonials.

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 30 seconds after IRS E-file acceptance of your return*. You can immediately access your Refund Advance with a virtual debit card and your physical Credit Karma Visa® Debit Card should arrive in 7-14 days.

* Acceptance times vary. You could get money in seconds, most customers receive funds within 4 minutes of acceptance.

The remaining amount of your federal refund (which is your original federal refund 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.

If your tax refund amounts are insufficient to pay what you owe on your loan, you may be contacted no more than once to remind you of the remaining balance and provide payment instructions to you if you choose to repay that balance. If your loan is not paid in full, you will not be eligible to receive a Refund Advance loan in the future.

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.

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.

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.

Using a free to open 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 free to open Credit Karma Money™ checking account, you’ll have:

  • No minimum balance requirements
  • Free withdrawals at over 55,000 Allpoint® ATMs 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.

*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 are approved for a Refund Advance, you’ll be notified by email and the Refund Advance loan amount that you qualified for will be deposited into your Credit Karma Money™ checking account. 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 minimum balance requirements
  • Free withdrawals at over 55,000 Allpoint® ATMs 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.

*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.

2Acceptance times vary. You could get money in seconds, most customers receive funds within 4 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 29, 2024, or the date that available funds have been exhausted, whichever comes first. Offer, eligibility, 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 address is located outside of the United States, a US territory, a PO box or a prison address, (2) your physical address 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. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) currently have or 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 eligibility. Please see Credit Karma Money™ Spend Account Terms and Disclosures for details.

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 4 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.

If your tax refund amounts are insufficient to pay what you owe on your loan, you may be contacted no more than once to remind you of the remaining balance and provide payment instructions to you if you choose to repay that balance. If your loan is not paid in full, you will not be eligible to receive a Refund Advance loan in the future.