Getting started
with credit is harder
than it should be.
Most products assume you already have a history. If you don't, the door feels closed before you've even knocked.
Arro exists to change that. We're a credit-building platform for people who are new to credit, rebuilding after a setback, or starting fresh in the U.S. We built our tools around you, not the other way around.
No surprises. No gatekeeping. Just a clear path forward — and a team in your corner.
Arro was made for the people most credit products overlook
Arro was made for the people most credit products overlook
You're not behind. You're at the beginning. And that's exactly where Arro starts, too.
1
Applying for your first credit product
You're new to credit and don't know where to start. The language is confusing, the options feel hostile, and every application feels like a test you weren't told about.
2
Rebuilding after a rough stretch
A tough period — a job loss, an unexpected bill, a life shake-up — knocked things off track. You're ready to build back, and you want a product that will meet you where you are.
3
New to
the U.S.
You moved and discovered your financial history doesn't follow you. Here, it looks like you're starting from zero — even though you're not.
A different kind of credit
building platform
Arro is a connected ecosystem. The tools, the guidance, and the progress all work together — one path, built around you.
Arro Card
An unsecured credit card without an existing credit file. No hard inquiry. No deposit required.
Last Updated Oct 1st
+50 pts since joining
VantageScore
710
Arro Credit Builder
Establish your credit history through consistent, reported activity — no deposit, no gimmicks.
Arro Insights
A live view of your income, spending, and financial habits — so you always know exactly where you stand.
Artie, Your AI Money Coach
Artie helps you understand your credit activity, make sense of your finances, and decide what to do next.
One path. Built around you
All four tools, working as one system.
See How It Works
This is how we’re
doing things differently
What we don't do
No gatekeeping. No gotchas.
Require a credit history to get started.
Building credit shouldn't require an existing credit history.
Ask for a deposit.
Your money belongs to you.
Run a hard inquiry just to let you apply.
You shouldn't be penalized for taking a step forward.
What we do instead
Transparent. Accessible. Human.
Report your progress to the credit bureaus.
Payment history reported to Experian and Equifax.
Give you real-time coaching through Artie.
Your AI Money Coach, explaining every move in plain language.
Reward responsible behavior.
Higher limits and a clearer financial picture over time.
No other credit-building platform combines an unsecured credit card, a affordable credit builder, and an AI Money Coach in one place. That combination is intentional — so you can win.
Our members have done something worth celebrating.
These aren't projections. They're what happens when people have the right tools and a team that wants them to win.
2M+
Credit points built by Arro members, across the platform.
608k+
Lessons completed in the Arro app by members growing their financial literacy.
Close
WOOHOO
You finished April under budget by $350!
You budgeted $1,500 and spent $1,150.
Keep up the great work, Brandon.
View Breakdown
+46
Average credit score increase among active Arro members.
Your Credit Journey
Starts With One Step
Arro makes that step as simple as it should have always been.
Fintech builders and financial educators, on the same side of the table as you
We've seen firsthand what it looks like when someone gets shut out of the system before they've had a fair shot. That shapes how we build: transparent by default, accessible from day one, and always with our members at the center.
Founder
Ryan Duitch
Founder & CEO
Ryan graduated from UC Berkeley Haas School of Business and earned his MBA from USC Marshall School of Business. He began in wealth management before co-founding a startup that worked with brands like Google, Sprint, and Panera Bread.
During the COVID-19 pandemic, he saw how the credit gap was excluding millions from financial opportunity — which led him to found Arro to make credit-building more accessible and fair.
Founder
Luke Pelullo
COO & Co-Founder
Luke is an operations and strategy leader with experience scaling companies across fintech and deep tech. He began his career in investment banking at Deutsche Bank and was the first hire at Virtual Piggy (Oink), where he helped scale one of the early youth payments platforms to a $330M+ market cap as VP of Business Development.
He later served as Head of Global Operations at Hyperloop Transportation Technologies, leading international expansion across NA, EMEA, APAC, MENA, and LATAM.
One team. One mission.
Make credit make sense — for everyone ready to get started.
This is how we’re
doing things differently
What we don't do
No gatekeeping. No gotchas.
Require a credit history to get started.
Building credit shouldn't require an existing credit history.
Ask for a deposit.
Your money belongs to you.
Run a hard inquiry just to let you apply.
You shouldn't be penalized for taking a step forward.
What we do instead
Transparent. Accessible. Human.
Report your progress to the credit bureaus.
Payment history reported to Experian and Equifax.
Give you real-time coaching through Artie.
Your AI Money Coach, explaining every move in plain language.
Reward responsible behavior.
Higher limits and a clearer financial picture over time.
No other credit-building platform combines an unsecured credit card, a affordable credit builder, and an AI Money Coach in one place. That combination is intentional — it's the whole point.
Our members have done something worth celebrating.
These aren't projections. They're what happens when people have the right tools and a team that wants them to win.
1.3M+
Credit points built by Arro members, across the platform.
608k+
Lessons completed in the Arro app by members growing their financial literacy.
Close
WOOHOO
You finished April under budget by $350!
You budgeted $1,500 and spent $1,150.
Keep up the great work, Brandon.
View Breakdown
+46
Average credit score increase among active Arro members.
Your Credit Journey
Starts With One Step
Arro makes that step as simple as it should have always been.
Fintech builders and financial educators, on the same side of the table as you
We've seen firsthand what it looks like when someone gets shut out of the system before they've had a fair shot. That shapes how we build: transparent by default, accessible from day one, and always with our members at the center.
Founder
Ryan Duitch
Founder & CEO
Ryan graduated from UC Berkeley Haas School of Business and earned his MBA from USC Marshall School of Business. He began in wealth management before co-founding a startup that worked with brands like Google, Sprint, and Panera Bread.
During the COVID-19 pandemic, he saw how the credit gap was excluding millions from financial opportunity — which led him to found Arro to make credit-building more accessible and fair.
Founder
Luke Pelullo
COO & Co-Founder
Luke is an operations and strategy leader with experience scaling companies across fintech and deep tech. He began his career in investment banking at Deutsche Bank and was the first hire at Virtual Piggy (Oink), where he helped scale one of the early youth payments platforms to a $330M+ market cap as VP of Business Development.
He later served as Head of Global Operations at Hyperloop Transportation Technologies, leading international expansion across NA, EMEA, APAC, MENA, and LATAM.
One team. One mission.
Make credit make sense — for everyone ready to get started.
Getting started
with credit is harder
than it should be.
Getting started
with credit is harder
than it should be.
Most products assume you already have a history. If you don't, the door feels closed before you've even knocked.
Most products assume you already have a history. If you don't, the door feels closed before you've even knocked.
Arro exists to change that. We're a credit-building platform for people who are new to credit, rebuilding after a setback, or starting fresh in the U.S. We built our tools around you, not the other way around.
Arro exists to change that. We're a credit-building platform for people who are new to credit, rebuilding after a setback, or starting fresh in the U.S. We built our tools around you, not the other way around.
No surprises. No gatekeeping. Just a clear path forward — and a team in your corner.
No surprises. No gatekeeping. Just a clear path forward — and a team in your corner.
Arro was made for the people most credit products overlook
Arro was made for the people most credit products overlook
You're not behind. You're at the beginning. And that's exactly where Arro starts, too.
You're not behind. You're at the beginning. And that's exactly where Arro starts, too.
1
Applying for your first credit product
You're new to credit and don't know where to start. The language is confusing, the options feel hostile, and every application feels like a test you weren't told about.
2
Rebuilding after a rough stretch
A tough period — a job loss, an unexpected bill, a life shake-up — knocked things off track. You're ready to build back, and you want a product that will meet you where you are.
3
New to
the U.S.
You moved and discovered your financial history doesn't follow you. Here, it looks like you're starting from zero — even though you're not.
A different kind of credit
building platform
A different kind of credit
building platform
Arro is a connected ecosystem. The tools, the guidance, and the progress all work together — one path, built around you.
Arro is a connected ecosystem. The tools, the guidance, and the progress all work together — one path, built around you.
Arro Card
An unsecured credit card without an existing credit file. No hard inquiry. No deposit required.
Last Updated Oct 1st
+50 pts since joining
VantageScore
710
Arro Credit Builder
Establish your credit history through consistent, reported activity — no deposit, no gimmicks.
Arro Insights
A live view of your income, spending, and financial habits — so you always know exactly where you stand.
Artie, Your AI Money Coach
Artie helps you understand your credit activity, make sense of your finances, and decide what to do next.
One path. Built around you.
One path. Built around you.
All four tools, working as one system.
See How It Works
This is how we’re
doing things differently
What we don't do
No gatekeeping. No gotchas.
Require a credit history to get started.
Building credit shouldn't require an existing credit history.
Ask for a deposit.
Your money belongs to you.
Run a hard inquiry just to let you apply.
You shouldn't be penalized for taking a step forward.
What we do instead
Transparent. Accessible. Human.
Report your progress to the credit bureaus.
Payment history reported to Experian and Equifax.
Give you real-time coaching through Artie.
Your AI Money Coach, explaining every move in plain language.
Reward responsible behavior.
Higher limits and a clearer financial picture over time.
No other credit-building platform combines an unsecured credit card, a affordable credit builder, and an AI Money Coach in one place. That combination is intentional — so you can win.
Our members have done something worth celebrating.
These aren't projections. They're what happens when people have the right tools and a team that wants them to win.
2M+
Credit points built by Arro members, across the platform.
Close
WOOHOO
You finished April under budget by $350!
You budgeted $1,500 and spent $1,150.
Keep up the great work, Brandon.
View Breakdown
608k+
Lessons completed in the Arro app by members growing their financial literacy.
+46
*Average credit score increase among active Arro members.
Your Credit Journey
Starts With One Step
Arro makes that step as simple as it should have always been.
Fintech builders and financial educators, on the same side of the table as you
We've seen firsthand what it looks like when someone gets shut out of the system before they've had a fair shot. That shapes how we build: transparent by default, accessible from day one, and always with our members at the center.
Founder
Ryan Duitch
Founder & CEO
Ryan graduated from UC Berkeley Haas School of Business and earned his MBA from USC Marshall School of Business. He began in wealth management before co-founding a startup that worked with brands like Google, Sprint, and Panera Bread.
During the COVID-19 pandemic, he saw how the credit gap was excluding millions from financial opportunity — which led him to found Arro to make credit-building more accessible and fair.
Founder
Luke Pelullo
COO & Co-Founder
Luke is an operations and strategy leader with experience scaling companies across fintech and deep tech. He began his career in investment banking at Deutsche Bank and was the first hire at Virtual Piggy (Oink), where he helped scale one of the early youth payments platforms to a $330M+ market cap as VP of Business Development.
He later served as Head of Global Operations at Hyperloop Transportation Technologies, leading international expansion across NA, EMEA, APAC, MENA, and LATAM.
One team. One mission.
Make credit make sense — for everyone ready to get started.
This is how we’re
doing things differently
What we don't do
No gatekeeping. No gotchas.
Require a credit history to get started.
Building credit shouldn't require an existing credit history.
Ask for a deposit.
Your money belongs to you.
Run a hard inquiry just to let you apply.
You shouldn't be penalized for taking a step forward.
What we do instead
Transparent. Accessible. Human.
Report your progress to the credit bureaus.
Payment history reported to Experian and Equifax.
Give you real-time coaching through Artie.
Your AI Money Coach, explaining every move in plain language.
Reward responsible behavior.
Higher limits and a clearer financial picture over time.
No other credit-building platform combines an unsecured credit card, a affordable credit builder, and an AI Money Coach in one place. That combination is intentional — so you can win.
Our members have done something worth celebrating.
These aren't projections. They're what happens when people have the right tools and a team that wants them to win.
2M+
Credit points built by Arro members, across the platform.
Close
WOOHOO
You finished April under budget by $350!
You budgeted $1,500 and spent $1,150.
Keep up the great work, Brandon.
View Breakdown
608k+
Lessons completed in the Arro app by members growing their financial literacy.
+46
*Average credit score increase among active Arro members.
Fintech builders and financial educators, on the same side of the table as you
We've seen firsthand what it looks like when someone gets shut out of the system before they've had a fair shot. That shapes how we build: transparent by default, accessible from day one, and always with our members at the center.
Founder
Ryan Duitch
Founder & CEO
Ryan graduated from UC Berkeley Haas School of Business and earned his MBA from USC Marshall School of Business. He began in wealth management before co-founding a startup that worked with brands like Google, Sprint, and Panera Bread.
During the COVID-19 pandemic, he saw how the credit gap was excluding millions from financial opportunity — which led him to found Arro to make credit-building more accessible and fair.
Founder
Luke Pelullo
COO & Co-Founder
Luke is an operations and strategy leader with experience scaling companies across fintech and deep tech. He began his career in investment banking at Deutsche Bank and was the first hire at Virtual Piggy (Oink), where he helped scale one of the early youth payments platforms to a $330M+ market cap as VP of Business Development.
He later served as Head of Global Operations at Hyperloop Transportation Technologies, leading international expansion across NA, EMEA, APAC, MENA, and LATAM.
One team. One mission.
Make credit make sense — for everyone ready to get started.
Your Credit Journey
Starts With One Step
Arro makes that step as simple as it should have always been.
Get smarter with your 💸
Join thousands leveling up their credit game with personal finance insights and tips for applying.
Get smarter with your 💸
Join thousands leveling up their credit game with personal finance insights and tips for applying.
Get smarter with your 💸
Join thousands leveling up their credit game with personal finance insights and tips for applying.
Get smarter with your 💸
Join thousands leveling up their credit game with personal finance insights and tips for applying.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.