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You’ll also need to be a Varo customer, with a Varo Online Bank Account or Savings Account. Consider the app’s fees, cash advance maximum, any interest charged, and other perks the service may feature—like overdraft protection or early access to your full paycheck. If you have larger direct deposits, other than the minimum of $800 to get an advance, you may qualify for higher advances right out of the gate. Scammers sometimes pretend to be someone you know and say they need money for an emergency, or claim to want to send you a prize or payment, as long as you send them money first, the Federal Trade Commission says.