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 get a Varo Personal Loan? Can I set up autopay for my Varo Personal Loan? What if my financial circumstances have changed impacting my ability to make my monthly payments? Can Varo pay off my current debts directly? Can I deposit a check with Varo?