Varo Advance: what $100 really costs
Varo Advance is a line of credit from Varo Bank with one flat fee per advance and nothing else: no subscription, no instant fee, no tips. The fee depends on the amount and on whether you had $800 of deposits to Varo this month or last: $8 or $20 for $100. You need a Varo bank account. On its published terms, $100 delivered instantly and repaid in 14 days costs $20.00, or 521% APR.
Fees and terms checked · Not financial advice
Varo Advance · instant
$100 advance · repaid in 14 days · instant delivery
20.00 ÷ 100.00 × (365 ÷ 14) × 100 = 521.4%
In our ranking of cash advance apps, that puts Varo at 12 of 14 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.
Every published price
Quoted from Varo’s own pages, checked November 8, 2026. Each line links to where it says so.
| Charge | Price | From Varo’s page |
|---|---|---|
| Membership | not required | One flat fee, no subscriptionsvaromoney.com |
| Advance fee (without $800 deposits to Varo) | $20.00 on $100 | Fees are charged per Advance and billed with the Advance... $100 | $8 | $20prod-cdn.varomoney.com |
| Advance fee with $800+ deposits to Varo this month or last | $8.00 on $100 | Fees are charged per Advance and billed with the Advance... $100 | $8 | $20prod-cdn.varomoney.com |
| Instant to your Varo account | $0.00 on $100 | No instant transfer fees ... The money will be added to your Varo bank account, immediately.varomoney.com |
| Tips | not taken | One flat fee per advance, no interest. (No tip option is described on the page or in the agreement.)varomoney.com |
| Annual fee | $0.00 | Annual Fee $0.00prod-cdn.varomoney.com |
| Late payment fee | $0.00 | Late Payment Fee $0.00prod-cdn.varomoney.com |
| Return payment fee | $0.00 | Return Payment Fee $0.00prod-cdn.varomoney.com |
What other amounts cost
Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean Varo doesn’t publish that price.
| Advance | Instant | APR | If you wait | APR |
|---|---|---|---|---|
| $25.00 | — | — | — | — |
| $50.00 | $10.00 | 521% | — | — |
| $100.00 | $20.00 | 521% | — | — |
| $150.00 | $30.00 | 521% | — | — |
| $200.00 | $40.00 | 521% | — | — |
| $300.00 | $60.00 | 521% | — | — |
| $500.00 | $100.00 | 521% | — | — |
Limits, eligibility and repayment
- Maximum
- $1000.00 Get between $20–$250 now, build up to $1,000 over time with direct deposit varomoney.com
- To start
- $250.00 If you qualify for a cash advance, your initial borrowing limit will be between $20 and $250. varomoney.com
- Who can get it
- Your Varo Bank Account is active... None of your Varo accounts are overdrawn... You have linked an account that receives qualifying direct deposits OR setup qualifying direct deposits with Varo. All prior Varo Advance payments have been made on time. varomoney.com
- Credit check
- Not stated as yes or no Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity... Negative repayment history may impact credit. FAQ: 'Applying for a cash advance with Varo has no impact on your credit.' varomoney.com
- Repayment
- The due date of the Advance... will be 30 days from the date you get the Varo Advance... You must select an available repayment date between 15 to 30 days from the date you get the Advance. prod-cdn.varomoney.com
- Interest
- Annual Percentage Rate (APR) for Varo Advances 0.00%. Varo does not charge an interest rate for Varo Advances. prod-cdn.varomoney.com
- States
- you reside (with a physical address) in the fifty (50) United States, or the District of Columbia prod-cdn.varomoney.com
Worth knowing
- We count $20 for $100, the price without $800 of deposits to Varo; with them it’s $8.
- You choose a repayment date 15–30 days out. At 30 days the same fee works out to a lower APR than at 14 (use the calculator).
- Varo routinely offers up to $700; its $1,000 figure is described in the agreement as a test.
Regulatory actions
Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about Varo’s advances as of November 8, 2026. If you know of one, please tell us.
Close to Varo on cost
Brigit Instant Cash
$14.98 · 391% APR
Possible Advance
$15.00 · 391% APR
Cleo Cash Advance
$20.98 · 547% APR
B9 Advance
$24.98 · 651% APR
Sources for this page
- varomoney.com — Varo’s own page, checked Nov 8, 2026
- prod-cdn.varomoney.com — Varo’s own page, checked Nov 8, 2026
- apps.apple.com — Varo’s own page, checked Nov 8, 2026
How costs are calculated, what is left out and how to send a correction: methodology.
Cite this page
Best Cash Advance Apps. "Varo Advance: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/varo/