Credit based on your income, not your score

  • Arro bullet pointNo credit history required
  • Arro bullet pointNo security deposit
  • Arro bullet pointNo hard credit check to apply
  • Arro bullet pointLow starting APR
  • Arro bullet pointInstant Arro Card access
  • Arro bullet pointReporting to all 3 bureaus
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  • 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 FEE

    Join 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.

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    Bank account check

    We check your bank account, and some credit factors, to approve you.

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    Identity verification

    We make sure you and your information are kept safe.

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    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.

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    Arro Card

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    Credit Increases

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    Financial Education

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    Credit Reporting

Start using your Arro Card today

Download now on the App Store and Google Play.
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Arro Credit Card and Arro App on iPhone