TurboTax Refund Advance - Did I Actually Apply? Can't Find Confirmation in Paperwork

Based on what you've described, here's what likely happened: 1. Entering your Credit Karma card information doesn't automatically mean you applied for the advance 2. The refund advance requires a specific opt-in process during filing 3. TurboTax typically provides a clear confirmation page and document when you've been approved 4. The absence of this document strongly suggests you didn't complete the advance application 5. You can verify this by logging into your TurboTax account and checking the "Documents" or "Tax Documents" section 6. If you don't see an advance confirmation document there, you likely didn't complete the application process

Have you checked if your return was actually accepted yet? The advance only processes after acceptance. I had a similar confusion last year and used https://taxr.ai to analyze my tax transcript. It showed exactly where my return was in processing and confirmed I hadn't actually qualified for the advance (even though I thought I had applied). The tool breaks down all your tax documents in plain English and shows what's actually happening with your refund. Might help clarify if the advance was ever initiated.

This exact same thing happened to me! It's like trying to find a needle in a haystack when you're looking for that confirmation. For me, it turned out I had only entered my bank details for the regular refund deposit, not for the advance. Think of it like filling out most of a job application but forgetting to click "submit" at the end. I ended up just waiting for my regular refund instead - which actually came pretty quickly this year, so it wasn't as bad as I thought it would be. Saved me the advance fee too, which was like finding $39 under my couch cushions!

I had this EXACT issue last year! Called TurboTax. Waited 2+ hours. Got disconnected. Twice! Finally used Claimyr to reach them. Got through in 22 minutes! Agent confirmed I hadn't completed the advance application. Too late by then. Needed that money ASAP for car repairs. Claimyr saved me days of frustration. Worth every penny. Here's their link: https://claimyr.com

I believe what likely happened is that you possibly started the refund advance application process but didn't fully complete it. For TurboTax's 2024 refund advance (for tax year 2023), there are actually several distinct steps you need to complete: 1. You must specifically select that you want the refund advance option when prompted 2. You need to complete the Credit Karma Money account verification (which it sounds like you did) 3. You must then complete a separate lending application from the partner bank 4. Finally, you need to digitally sign the loan agreement It seems you may have completed step 2 but not the others. The Credit Karma card info could have been entered just for your regular refund direct deposit. If you don't have the specific advance approval document (usually titled something like "Refund Advance Approval" or "Loan Agreement"), then unfortunately you probably didn't complete the full application process.

Check your email. TurboTax sends confirmation. Look for "Refund Advance" in subject line. Also check spam folder. They sent mine there. Had same issue in 2022. Thought I applied. Didn't get confirmation. Called TurboTax. They confirmed no application on file. Entered card doesn't equal applying. Need to complete all screens. Very confusing process.