How long will it take for a decision on my Varo Believe application? Once you apply, you’ll receive an email with an application decision within 2 business days. Related articles When am I eligible to apply for the Varo Believe Program? How long does it take for my Varo Believe card to arrive? How do I apply for the Varo Believe Program? Verifying Your Identity What if I make a late payment? Will it impact my credit score?