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 How do you verify my bank account before sending my loan proceeds? What if I’m late in making a payment? How do I pay my Varo Personal Loan off? When will my first payment be due? Can Varo pay off my current debts directly?