Arro: Credit Your Way 17+

OUTSTANDING

I almost never write app reviews, but I had to take the time to write this one because of how incredible this company is. I’m in the process of rebuilding my credit and the instant approval with NO hard credit check and NO deposit was a game changer. I wasn’t looking for an instant approval—no deposit card so that I could have more money to spend; it truly was to build my credit and there were no options out there like this. And I LOVE that the only way to increase your limit is by *learning* about responsible credit usage.
As far as the app goes, the UI is simple, refreshing, easy to use, and aesthetically pleasing. I almost never encounter bugs to the point that when an update comes out for bug fixes I’m left wondering what the issues were lol.
Overall, this 5-star review is for both the app AND ArroFi as a company. 🙏🏻🤍

Developer Response ,

Thank you so much for taking the time to share your experience with us! We're thrilled to hear that our instant approval without a hard credit check and deposit has been a game changer for you in rebuilding your credit. Our goal is to provide accessible options for responsible credit building, and we're delighted to hear that we've met your needs. We're also glad to hear that you appreciate our focus on learning about responsible credit usage to increase your limit. We're here to support you every step of the way on your credit building journey. If you ever have any questions or feedback, please don't hesitate to reach out.

It is like dealing with habitual liars

1. Yes they perform a hard inquiry 2. Yes they take, keep and use personal information 3. The app works as if it were developed by a high school technology class 4. The bank backing the company is at best barely a bank. The bank has a less than good rating 5. They absolutely do not report any good things about your payments 6. They will double down on negative impacts to your credit People please research this company before trying them. I will gladly publicly apologize and take this review down, as I am writing this review—I have received emails about the new inquiry on my credit. Guess who from!!! Finally, the Support team will lie and blame you or anyone but themselves for anything negative. Like my good ol’ Pappy used to say if it too good to be true—it is not true. It is sad because I was in awe that someone would try to help the downtrodden and pick them up when they are down but these cats only want you to stay down very sad day for America!!!

A hard inquiry was performed! I sent the documents and was told again I was wrong so it is out of my hands. I am completely done dealing with you guys. You hurt my credit and then lied about the issue. Mistakes happen but when you try to hide it you lose my respect. I will not reach out and if you want to talk to me you have my information.

Developer Response ,

Hi there, we're sorry to hear you weren't able to get approved. We do not conduct a hard inquiry upon approval or application so there is no inquiry on your credit report. We respect and protect the privacy of our users' personal information, and we use it solely for the purpose of providing our services. We are committed to maintaining the highest standards of data security and compliance with relevant regulations. We are doing everything we can to support each individual to join Arro.

We understand it is upsetting not to be approved but please do not make up or spread inaccurate information - you did not send any documents, we do not run a hard inquiry and there has been no impact on your credit.

Love love love

Rarely write reviews but wow! I am never approved for any credit cards that didn’t require a big ole down deposit. I’m a college student and being able to actually access a real credit card with no credit check and only relying on income is amazing. I love the whole concept of credit and financial lessons being completed to raise the credit limit in small amounts, and I love how digestible the content is. Seriously I cannot recommend this enough and will be telling all my family about this. Heres to a better financial future :)