Once I have been approved, how long do I have to accept my Varo Personal Loan offer? Once you have been approved for a Varo Personal Loan, you have 10 days to accept your loan offer. Related articles How do I apply for a Varo Personal Loan? I see that I was approved for more/less than I requested. How was my approved loan amount determined? What is the minimum and maximum I can borrow? What if my application gets declined?