Arro: Credit Your Way

Get up to $200 credit limit with the Arro Card and immediately grow your credit limit while you learn how to master your finances. Are you ready to take control of your finances and learn how to manage your money? Meet Arro— the financial app that believes in you.
Apply for the Arro Card in 5 Minutes or Less
Our goal is to give people a chance. We provide credit access at fair rates, regardless of your credit score. In fact, you only need a bank account to apply. The application can be completed in under 5 minutes.
Use the Arro Credit Card Immediately
Get immediate access to a virtual Arro Card while your physical Arro Card arrives in the mail. Whether you plan to use credit to pay essential bills — rent, utilities, gas — or you’re just looking for an opportunity to build a better credit score, the Arro Mastercard credit card can be used immediately so you don’t have to wait. Add your virtual Arro Card to your mobile wallet instantly to start building your credit.
Unlock Rewards & Grow Your Credit
We believe that strong habits now lead to a healthier financial future. That’s why we reward you for learning more about your personal finances and building good financial habits that stick. Grow your credit by achieving goals in the Arro app such as:
• Completing bite size financial education lessons
• Making back-to-back payments
• Signing up for autopay
• And more!
Master Your Personal Finances
Financial literacy is key to achieving financial freedom. Our in-app personal finance lessons include tips, hacks, and guides to better your credit score and personal finances. Lessons cover all of the topics below and more:
• Managing credit
• Increasing your credit score
• Budgeting for the future
• Smart shopping tips
• Saving for the future
• Investing for retirement
• Selecting the right bank accounts
• Understanding interest rates and debt payoff
• Protecting yourself against predatory lending
• Planning for home ownership
• Protecting your health and your assets with insurance
• Increasing your income
• Using personal loans
Track your Credit Score for Free
With the Arro app, you can track your credit score in real-time to see your financial progress. We help you build your credit by reporting to all three major credit bureaus: TransUnion, Experian, and Equifax.