Borrow money instantly once approved
Unlock higher advances the more you bank with Varo¹
Some of the lowest fees around²
No credit check or late fees
Need more than $500? Check out Varo Line of Credit³.
If you qualify, you’ll get access to flat and fair fees on Varo's online cash advances. What you see is what you get.
Borrow Amount | You Pay |
|---|---|
$20 | $1.60 |
$50 | $4 |
$75 | $6 |
$100 | $8 |
$150 | $12 |
$200 | $16 |
$250 | $20 |
$300 | $24 |
$400 | $32 |
$500 | $40 |
If you’re running low on cash or need a little extra cushion when bills, rent, or medical expenses are due, get the spot you need with Varo Advance. The cash will land in your Varo Bank Account—immediately. Quals apply.
Now you’re in control. With a full 30 days to pay us back4, your next paycheck doesn’t need to be tied up with repayments.
Need your newfound cash to pay someone back? Send money instantly in the Varo app, even if they don’t bank with us.
Open the Varo app and click the Advance tile. Answer a couple quick questions then select an amount within your cash advance limit.
Once qualified, get your same day cash advance in just a couple taps. Money’s added to your Varo bank account, immediately.
You’ve got 30 days to pay us back, when and how you want. Automatic payments are also available, making repayment even easier⁴.
Getting cash fast starts with moving your direct deposit to Varo—if you haven’t already, you can easily open a bank account online to get started. From there, receive your initial credit limit (from $20 up to $250) and continue to bank, borrow, and make on-time payments to work your way up to $500 over time¹.
Unlock higher online cash advance limits with larger direct deposits.
Add $800+ in qualifying direct deposits⁵. Eligibility is updated daily.
Once eligible, use the Varo app to get your same day cash advance.
“I feel more confident, because I have more control of my money."
Bryan A.
“The Advance really helps out when things get tight because sometimes the ends don't always meet.”
Demeiia R.
“As long as you pay it back on time, you're good to go. You can get another Advance. It's easy, and they don't charge you big fees.“ John C.
Sign up for a Varo Bank Account in less than 2 minutes and add $800 or more in direct deposits⁵. It’s free and there’s no impact to your credit score.
You’ll qualify for an online cash advance if:
Your Varo Bank Account is active (not closed or suspended).
All Varo accounts are not overdrawn, with an available balance equal to or greater than $0.00.
Your Varo Bank Account and Savings Account have received a combined $800 or more in total qualifying direct deposits5 in either the current or previous calendar month.
All prior Varo Advance payments have been made on time.
You do not already have an outstanding cash advance.
Eligibility for Varo Advance is updated daily.
If you qualify, you will see the advance amount available to you by tapping on the Advance tile on the homescreen of your Varo app, answering a couple questions, then submitting your application. If approved, your cash advance will be available immediately.