I can't imagine any company giving an "advance" on the tax refund would do it until you actually e-file the return.

While some companies have been accepting returns for a couple of weeks, ProSeries doesn't start accepting them until January 28th.

Whether or not Intuit and the associated third-party loan sharks will allow the loans when e-filed starting on the 28th, or if they require you to wait until the IRS accepts the return on February 12th, I don't know.