How do I apply for a Varo Personal Loan? If you've received an invite code, click here and follow the steps to enter your code, view your offer and submit your application. Related articles What is the minimum and maximum I can borrow? How long does it take to receive the funds? Varo Referral Program FAQ Once I have been approved, how long do I have to accept my Varo Personal Loan offer? How can I deposit money into my Varo Bank Account?