Why is the IRS saying my refund status is not available? And also how so I borrow against my refund?

Sometimes until the IRS starts processing your return the Where's My Refund site may not have any information about your return or it may tell you that you haven't entered your information correctly.  As your return moves through the system the status will be updated accordingly. Keep checking the Where’s My Refund?  site for updates. The IRS updates the site daily, usually in the overnight hours. Also, make sure you are entering the exact amount of your tax return refund (not combined with your state refund), your tax return filing status, and your Social Security number when tracking your refund. If you previously had a status on Where's My Refund? check back later as high volume can cause an issue of the tracking site giving incorrect status results.

You can no longer take an advance on your tax refund. Refund Advance was only available until February 15, 2022.