Get up to $4,000, instantly with Refund Advance.1

$0 loan fees, 0% APR and zero hassle. File with TurboTax®, deposit your federal refund into a Credit Karma Money™ Spend account2 and money could be available in as little as one minute after the IRS accepts your return.*

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Is there a refund in your future?

Will your tax refund be your biggest paycheck of the year? Estimate yours today to find out!

Estimate my refund

Get your refund, plus boost a low credit score.

You could boost a low score an average of 21 points within 2 months3 with Credit Builder4.

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*You’re eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. We expect members with a credit score of 619 or under could see an increase in as little as 2 months. Late payments can have a negative effect on your score, and other factors can impact it, including activity with your other credit accounts.

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File with a max refund guarantee.

TurboTax® will search over 350 deductions and credits to get you your max refund, guaranteed.5

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

1If you get a larger refund or smaller tax due from another tax preparation method, we’ll refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Online Free Edition customers are entitled to a payment of $30. Limitations apply. Excludes TurboTax Business products and services. See Terms of Service for details


2Taxes Done Right. If you pay an IRS or state penalty or interest because of a TurboTax calculation error, or because of an error that a TurboTax tax expert or CPA made while providing topic-specific tax advice, a section review, or acting as a signed preparer for your return, we’ll pay you the penalty and interest. Limitations apply. See Terms of Service for details

3If 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 until available funds have been exhausted, whichever comes first.  Offer, eligibility and availability subject to change or cancellation at any time without 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 MoneyTM  Spend (checking) account is subject to identity verification. Please see Credit Karma Money  Spend Account Terms and Disclosures for details. NOTE: 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 MoneyTM Spend (checking) account, typically within 15 minutes after the IRS accepts of 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 minus any 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.

4 Banking services for Credit Karma Money accounts are provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply.