- Varo Advance offers $20–$500 with a flat fee (reported at $1.60 to $40), based on your deposits.
- Most payday and installment lenders can deposit to a Varo account by ACH.
- New users start with lower Advance limits that grow with deposit history.
Varo Advance
| Varo Advance (as reported in 2026) | |
|---|---|
| Amount | $20–$500; new users usually start at up to $250 |
| Fee | Flat fee by amount, from $1.60 on small advances up to $40 for $500 |
| Eligibility | Based on qualifying direct deposits and account history |
| Repayment | Taken from your account on the due date |
Check the Varo app for your current limit and fee before you accept. Fees and limits change.
Lenders that accept Varo
Because Varo is a bank, a Varo checking account works like any other for ACH deposits and payments. Most online payday and installment lenders, and lending networks, accept it. If a lender declines, it is usually because automatic verification failed or the lender wants more deposit history.
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Tips
- Use the routing and account numbers from the Varo app.
- Have your income deposited to Varo so lenders can see it.
- Compare a Varo Advance fee with a payday loan fee: for small amounts the advance is usually much cheaper.
Lender availability, amounts and fees depend on your state. See payday loan laws by state.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Do payday lenders accept Varo?
Most do. Varo is a nationally chartered bank and its accounts have standard routing and account numbers for ACH deposits.
How much can I get from Varo Advance?
Varo Advance ranges from $20 to $500. New users typically start with lower limits that increase with deposit history.
How much does Varo Advance cost?
A flat fee based on the amount, reported in 2026 as ranging from $1.60 to $40 for a $500 advance.