Refund Transfers (RT) are not loans. Your money may be available in 9-16 days from the filing date of your tax return. An RT is a temporary account established at Santa Barbara Bank Tax Products Group (TPG) under your name and social security number. When the IRS deposits your refund into your account at TPG, your money is paid to you (after preparation and bank fees are deducted) by ACH Direct Deposit.
Note: ACH stands for "Automated Clearing House", the system used by banks and governmental agencies (e.g. IRS) to transmit direct deposits and debits. This process is unlike a wire transfer (which is a same day transaction), and may take up to 1-3 business days to complete the process from one bank to another.