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Lifestyle

Moments of Progress: Tracey

Qualifying for a new car with the Varo Believe Card

All Varo products and services mentioned below are contingent upon opening a Varo Bank Account. Qualifications may apply. Links to external websites are not managed by Varo Bank, N.A. Member FDIC.

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When Tracey was looking for a new bank account, there were a few specific features she was on the prowl for, like the ability to deposit checks through her phone, an easy way to set up her direct deposit, and a large network of free ATMs. She also knew that she was leaning more towards mobile banking versus a traditional brick and mortar bank.

“I didn't want a large corporate bank,” Tracey explains, “I don't like the branches and the standing in line forever.

For Tracey it was important to find a banking solution that understood her and could teach her how to grow. Without proper financial education in most schools it’s hard to learn how to manage your money, but Tracey believes that it only takes one person to make a big difference in your community.

“We can have a better outcome generation-wise as everyone gets older, we can pass it on down,” she says, “and I feel like that's where I come in.”

Tracey joined because she liked what Varo stood for and she says it felt, “more like home”. Initially she was just using the standard bank account, depositing her checks and getting her direct deposit, until she one day discovered the Varo Believe Card1—and that’s when her money life really started changing.

“It started clicking for me when I actually got the Varo Believe Card… I started noticing that my credit was improving,” Tracey says, “And I was like, this is real. I can’t believe it.”

It didn’t take long for Tracey to see her credit score improve and she decided to spend some time to really invest in the Varo Believe Card to see if it could help her achieve a goal she had been working towards for awhile—a new car.

“I went into the dealership, crossed my fingers and walked out of there with my car,” she recalls, “I felt like I was on top of the world in that moment.”

Now Tracey makes sure to inform her friends and family about what a good bank can do for you. Multiple friends have already joined Varo and Tracey keeps telling her community about the importance of understanding your finances. She concludes, “Without Varo, I wouldn’t have been able to do it.”

Get started today or click to learn more about the Varo credit-building Believe card!

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Want to hear from more of our members? Learn how Varo member Bryan uses Cash Advance to avoid touching his savings between paychecks.


Testimonials reflect real life experiences of customers who have used Varo Believe. The results apply to the individual’s circumstances, including their specific credit history and activity. Results will vary and may not be representative of the experience of others. 

1 The Varo Believe Secured Credit Card is designed to help you build your credit; however, a variety of factors impact your credit and not all factors are equally weighted. Building credit may take time and Varo Believe may be able to help when you consistently make on-time payments

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