Varo Cash Advance

Quick cash to cover the unknown

Life happens and sometimes you just need a quick safety net—that’s what Varo Advance is for.¹ Once you qualify, we’ll spot you from $20 - $250.² It’s the fastest, cheapest way to give yourself and your budget a little extra wiggle room.

Get Varo
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Borrow what you need. Right when you need it.


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No Interest

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Borrow fast

Money in the bank. In literal seconds.

If you’re running low on cash or need a little extra cushion when bills are due, just spot yourself the money you need with Varo Advance. The cash will land in your account—immediately. 

So, can I just borrow $250 right away?

Not quite, but here’s how it works.


$20 spots are free if you qualify. That’s right- no fees!


You may eventually unlock up to $250 when you repay your Advances on time and maintain healthy account balances and direct deposit history

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Affordable loans
Borrowing shouldn't break the bank.
If you qualify, $20 spots are free.  Our cash advance fees are flat and fair above $20. What you see is what you get.
Borrow Amount
You Pay
No Sketchy Stuff
Fair and flexible. The way loans should be.
When you get a spot with Varo, you’re in control of how and when you want to pay us back. You get plenty of time—a full 30 days. And interest? We’ve got none of that.
Most Cash Advance Apps³
Most Payday Lenders³
0% APR
No Tip
Repay within 30 days (your choice)
0% APR
Tip Requested
Repay next payday
300% - 600% APR
No Tip
Repay next payday
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Borrow easy

The most convenient safety net, like, ever.

A flat tire. Medical bill. That trip to the vet. When the unexpected hits hard, we’ll spot you the cash to get you through the moment.  Just a little safety net to remove a little stress from your life. 

Qualifying for a cash advance is super easy...

Just make sure you've

Got an active Varo Bank Account that’s at least 30 days old.

Activated your Varo Debit Card.

Set up direct deposits and received $1,000+ in qualifying direct deposits either this calendar month or last.

Additional qualifications apply. For a limited time, customers with a QDD of $500 - $999.99 can qualify for an Advance up to $75, starting with access to $20, and stepping up to higher amounts after timely repayments.

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Already a customer? See if you qualify.

A Little Cushion Can Save Your Life.⁵

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Borrow cash right when you need it

Sign up for a Varo bank account in less than 2 minutes.⁶ It’s free and there’s no impact to your credit score.

How many advances can I get with Varo Advance?
Do you have to pay back a cash advance?
Does a cash advance hurt my credit score?
How does a cash advance work?
How much can I borrow with Varo Advance?

You can get one Advance at a time, and you’ll need to repay the Advance before requesting another one.