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 long does it take to receive the funds? I see that I was approved for more/less than I requested. How was my approved loan amount determined? Why don't I see a Varo Personal Loan offer in my Account Tab? Will applying for a personal loan affect my credit? Can I deposit cash into my account?