How long does it take to receive the funds? Once you’ve signed your loan document, funds can be deposited into a checking or savings account in 1 - 4 business days. Related articles When will my check deposit be available in my Bank Account? How do I apply for a Varo Personal Loan? When will I get Early Direct Deposit of my paycheck/payroll or government payment? Can I make instant transfers to my Varo debit card? Does Varo offer early direct deposit?