What if I’m late in making a payment? Late fees and grace periods vary by state. To view the fees associated with your state, please visit https://www.varomoney.com/licenses/ Related articles Can I set up autopay for my Varo Personal Loan? Am I eligible for a Varo Personal Loan? What if my financial circumstances have changed impacting my ability to make my monthly payments? Once I have been approved, how long do I have to accept my Varo Personal Loan offer? I see that I was approved for more/less than I requested. How was my approved loan amount determined?