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, no commitment
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
Get Started
How It Works
Apply Fast
Complete a short application to verify your identity. No impact to your credit score.
1
2
Get Set Up
Set up your payment method and access your dashboard.
Build Your Credit
Your payment activity is automatically reported to Experian and Equifax each month.
3
Learn And Grow
Access personal finance lessons, get coaching from Artie, and earn rewards as you build better financial habits.
4
Track Your Progress
Use free credit score visibility to monitor your credit journey.
5
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
Stronger credit can mean lower monthly payments.
A higher score may help you qualify for better rates on major purchases like a car.
That's about $213/month in potential savings
Illustrative example based on Experian Q3 data. Rates vary by lender and borrower profile.
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
Pick Your Credit Builder Plan
You get the same Credit Builder experience, reporting, insights, and Artie, your AI money coach. The only difference is how you choose to pay.
Monthly Subscription
Keep things flexible while you build consistent credit habits.
$12 /month
What’s included
Start building credit for $12/month
Includes 4th month free after 3 paid months
Flexible monthly billing
Cancel anytime
Build Credit Now
Annual Subscription
One payment for a full year of uninterrupted credit building.
$96 /year (Billed Upfront)
What’s included
Best value for long-term credit building
12 months of Credit Builder access
One simple upfront payment: no monthly billing
Same full features as the monthly plan
Build Credit & Save
*$1 introductory offer applies to the monthly plan only. The annual plan is billed upfront and does not include promotional offers.
THE ARRO BLOG
Tips & tricks for credit building.
View More
Ask & Receive: Understanding The Impact Of Requesting A Credit Limit Increase
You may have heard about credit limit increases, but how do they work and do they actually help your credit score? How do you know if you need a higher credit limit, and is too much credit ever a bad thing?
Mar 8, 2025
Credit Builder Programs Compared: Arro VS Kikoff VS Dovly VS TomoCredit
Kikoff vs Dovly vs Arro: Which credit builder is best? Compare features, pricing, and real credit card access. Arro offers AI coaching + Credit Card pathway for $12/mo.
Feb 20, 2026
Statement Date vs Due Date: Which One Should You Pay On? (2026 Guide)
Statement date vs due date, which one really matters for your credit score? Learn when to pay, why issuers use both dates, and how to avoid late fees.
Dec 10, 2025
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 the Arro Credit Builder cost?
It starts at just $0.99 for your first month. After that, it’s $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.
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.
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
Arro Points, Just for Building
Because good habits deserve a little something back
Graduation to Arro Card
Builds payment history that may help with future card approval
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, no commitment
Simple, Transparent Pricing
Monthly Subscription
$12 /month
Pay for 3 months, get the 4th free
Get Started
How It Works
1
Apply Fast
Complete a short application to verify your identity. No impact to your credit score.
1
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.
3
4
Learn And Grow
Access personal finance lessons, get coaching from Artie, and earn rewards as you build better financial habits.
4
5
Track Your Progress
Use free credit score visibility to monitor your credit journey.
5
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
Stronger credit can mean lower monthly payments.
A higher score may help you qualify for better rates on major purchases like a car.
That's about $213/month in potential savings
Illustrative example based on Experian Q3 data. Rates vary by lender and borrower profile.
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
Pick Your Credit Builder Plan
You get the same Credit Builder experience, reporting, insights, and Artie, your AI money coach. The only difference is how you choose to pay.
Monthly Subscription
Keep things flexible while you build consistent credit habits.
$12 /month
What’s included
Start building credit for $12/month
Includes 4th month free after 3 paid months
Flexible monthly billing
Cancel anytime
Annual Subscription
One payment for a full year of uninterrupted credit building.
$96 /year (Billed Upfront)
What’s included
Best value for long-term credit building
12 months of Credit Builder access
One simple upfront payment: no monthly billing
Same full features as the monthly plan
*$0.99 introductory offer applies to the monthly plan only. The annual plan is billed upfront and does not include promotional offers.
THE ARRO BLOG
Tips & tricks for credit building.
View More
Ask & Receive: Understanding The Impact Of Requesting A Credit Limit Increase
You may have heard about credit limit increases, but how do they work and do they actually help your credit score? How do you know if you need a higher credit limit, and is too much credit ever a bad thing?
Mar 8, 2025
Credit Builder Programs Compared: Arro VS Kikoff VS Dovly VS TomoCredit
Kikoff vs Dovly vs Arro: Which credit builder is best? Compare features, pricing, and real credit card access. Arro offers AI coaching + Credit Card pathway for $12/mo.
Feb 20, 2026
Statement Date vs Due Date: Which One Should You Pay On? (2026 Guide)
Statement date vs due date, which one really matters for your credit score? Learn when to pay, why
issuers use both dates, and how to avoid late fees.
Dec 10, 2025
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 the Arro Credit Builder cost?
It starts at just $0.99 for your first month. After that, it’s $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.
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.