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 How long does it take for my Varo Believe card to arrive? When am I eligible to apply for the Varo Believe Program? How does the Varo Believe Secured Account work? How do I turn on SafePay? What if I make a late payment? Will it impact my credit score?