Life happens, and sometimes you just need a quick safety net—that’s what Varo Advance is for.¹ Once you bank with us and qualify, we’ll spot you up to $250.² Then you can work your way up to $500 over time– one of the highest amounts around.³
Varo Cash Advance
Get up TO $500 to COVER THAT...
Money in your Varo Bank Account. In literal seconds.
If you’re running low on cash or need a little extra cushion when bills, rent, or medical expenses are due, just spot yourself the money you need with Varo Advance. The cash will land in your Varo Bank Account—immediately.
Borrowing shouldn't break the bank.
If you qualify, our cash advance fees are flat and fair. What you see is what you get.
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 Apps⁴
Most Payday Lenders⁴
300% - 600% APR
Repay within 30 days (your choice)
Repay next payday
Repay next payday
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.
How to get a quick cash advance.
1. Choose the amount.
Open up the Varo app and select an amount of cash that’s within your current advance limit.
2. Get your cash.
In just a couple taps, you’ll get your cash. We’ll add the Advance directly to your Varo bank account immediately.
3. Pay us back.
You’ve got 30 days to pay us back—in as many payments as you want, when you want. Make it easier on yourself by setting up an automatic payment to your Varo Advance Account.
How to qualify and work your way up to $500
To get started, move your paycheck over to Varo and continue to bank, borrow, and make on-time payments to work your way up to $500 over time⁵.
Unlock higher amounts with larger direct deposits.
Add $800+ in qualifying direct deposits⁶ to get your first spot.
A LITTLE CUSHION CAN SAVE YOUR LIFE.⁶
"My favorite thing about Varo Advance is knowing that I have a lifeline if I ever need it." Alex G.
"It's so convenient, and you don't waste a lot of money on interest and fees and everything else." Pam D.
"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.
BORROW CASH RIGHT WHEN YOU NEED IT
Sign up for a Varo Bank Account in less than 2 minutes and add $800 or more in direct deposits¹. It’s free and there’s no impact to your credit score.
You’ll qualify for an Advance if:
Your Varo Bank Account is active (not closed or suspended) and in positive standing.
Your Varo Bank Account and/or Savings Account has an available balance equal to or greater than $0.00.
You’ll need at least $800 in total qualifying direct deposits to either your Varo Bank Account or Savings Account, or both combined (either this calendar month or last).
We’ll check your eligibility for a Varo Advance daily. If you qualify, you will see the Advance amount available to you by tapping on Varo Advance on your Varo app’s home screen and then applying for an Advance in the app. If approved, you can then get an Advance immediately.
We will check your eligibility to see if you qualify for higher limits based on your account balances and activity, direct deposit history, Advance repayment history, and other risk-based factors.