Credit based on your income, not your score
- No credit history required
- No security deposit
- No hard credit check to apply
- Low starting APR
- Instant Arro Card access
- Reporting to all 3 bureaus
Intro Credit Limit
$50-$200
Earn more credit instantly via in-app activities.
Starting APR
16%
Lower your interest rate and boost your score the more you use the app.
Membership Fees
$3 $1
MONTHLY FEEJoin early and pay only $1 per month to change your credit for good.
Credit the Arro Way
We look at your bank account, not your credit score, to approve you.
Bank account check
We check your bank account, and some credit factors, to approve you.
Identity verification
We make sure you and your information are kept safe.
Manageable limits
You can immediately start growing your credit limit in the app.
Grow your credit score over time
The easy, safe way to build credit
The low $1 membership fee unlocks all the benefits to support your financial journey.
Arro Card
Credit Increases
Financial Education
Credit Reporting
