Arro: Credit Your Way

Arro Finance

About this app

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.

Ratings and reviews

It takes entirely too long for your payments to process (7-10) business days. Also, it doesn't track your "education" progress or payment bank account frequently enough. I have to wait days after my payment account reflects a balance greater than the amount due for my payment. In the meantime, I've made 2 or three payments that haven't been counted towards my "education" progress. It's all totally understandable I guess, but way too frustrating for me.

Ok. I would have had a 4 star rate. I rarely give 5 to anyone or app. No one is perfect. But it's 3 now because of recent updates changing everything! Some of this was finally fixed on my end. But I still lost at least a chance for a $25 increase in a week or so. Plus now I have to make at least 15 minimum payments now to advance to gold. I can't afford anything but minimum. This isnt way it was before. There is another option but it's worse! Otherwise 4 stars would be a given! Great 💡 but ...

Easy sign up process. Got approved on the spot. I like how the emphasis on helping people learn about credit and rewarding them with limit increases when they complete lessons. One of the better if not top credit builder cards. I'll definitely be including this in a future video review. Edited* Minus 1 star. This app needs fingerprint sign in or samsung password save feature because typing my info in each time I exit the app sucks.