What if my financial circumstances have changed impacting my ability to make my monthly payments? We encourage customers to call Varo directly at 1-800-827-6526 to discuss their specific situation. Related articles What if I’m late in making a payment? What if my application gets declined? How do my income and current debt obligations affect my Varo Personal Loan application? Can I customize my monthly payment amount? Can I apply for a Varo Personal Loan on my desktop computer?