Now Available: Credit Builder
Build Credit With Transparency And Control
Arro Credit Builder automatically reports your payments and delivers credit insights with no ongoing effort.
WHAT'S INCLUDED
$2,000 Reported Tradeline
Automatically added to credit profile and reported monthly to Experian and Equifax
Automatic Credit Bureau Reporting
Set it and forget it. No extra steps required
Real-Time Credit Score Updates
Track progress instantly, not weeks or months later
Artie AI Money Coach
24/7 personalized guidance, instant answers, and budgeting insights
Financial Education
Bite-sized lessons on credit fundamentals, myths, and strategies
Budget Insights
Understand spending patterns and how they connect to financial goals
Flexible Pricing
$12/month or $120/year. Cancel anytime
Graduation to Arro Card
Builds payment history that may help with future card approval
Simple, Transparent Pricing
Monthly Subscription
$12 /month
Pay for 3 months, get the 4th free
How It Works
1
Apply Fast
Complete a short application to verify your identity. No impact to your credit score.
2
Get Set Up
Set up your payment method and access your dashboard.
3
Build Your Credit
Your payment activity is automatically reported to Experian and Equifax each month.
4
Learn And Grow
Access personal finance lessons, get coaching from Artie, and earn rewards as you build better financial habits.
5
Track Your Progress
Use free credit score visibility to monitor your credit journey.
join hundreds of thousands of people already building the credit of their dreams!
Trusted by 100K+ happy users
Who It’s For
Arro Credit Builder is for people who want to build or rebuild their credit in a simple, straightforward way.
People building credit for the first time
People rebuilding credit after setbacks
People who want an easy place to start
BUILD YOUR WAY TO THE ARRO CREDIT CARD
Many members use Credit Builder to strengthen their credit — all while working toward the opportunity for an Arro Credit Card.
There’s no required order. Just a supported path forward.
No credit check to get started
No hidden fees
No interest
How members qualify for the Arro Credit Card
We believe in transparency. If your goal is to graduate to the Arro Credit Card, here’s what that path looks like:
Complete 10 credit-building lessons
Finish 6 on-time Credit Builder payments
Connect your primary bank account to Budget Insights
Frequently Asked Questions
Why should I get the Arro Credit Builder?
Whether you are new to the U.S. or just getting started, a ‘thin’ credit file can make it difficult to get financial services, buy a car, or rent a house. Reporting payments to the credit bureaus builds your credit history, increases the types of credit on your credit report, and helps you grow your credit.
How much does Arro Credit Builder cost?
To build credit, track your credit score, earn rewards, access budget insights, and more, the subscription is just $12/month.
What are the requirements to get the Arro Credit Builder?
You must be at least 18 years old with a physical U.S. residence (physical address)
A valid email address and phone number
A valid social security number (SSN) or ITIN - if using an ITIN you must provide:
Will there be a hard credit inquiry when I apply?
No, only a ‘soft inquiry’ will be pulled as part of the underwriting and approval of your credit builder line of credit in partnership with Cross River Bank. Once you have been approved, you will see a new opened tradeline from Upward, Arro’s partner, on your credit reports.
Which credit bureaus does Arro Credit Builder report to?
Your payment history is reported directly to the two of the three major credit bureaus: Experian and Equifax.
