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Over time, the advance you’re able to take can increase if you maintain a positive balance in your bank account and manage your spending. So, if you’re having a difficult time paying back a Varo Advance or have a negative account balance, you won’t be able to take out another one until you’ve brought these into good standing. EarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. However, Varo lets you choose anywhere from 15 to 30 days from the date you receive your advance.