Arro: Credit Your Way 17+

The Better Credit Card

ArroFi Inc.

    • 4.6 • 909 Ratings
    • Free

iPhone Screenshots

Description

Get up to $200 credit limit with the Arro Card and immediately grow your credit limit while you learn how to master your finances. Are you ready to take control of your finances and learn how to manage your money? Meet Arro— the financial app that believes in you.

Apply for the Arro Card in 5 Minutes or Less
Our goal is to give people a chance. We provide credit access at fair rates, regardless of your credit score. In fact, you only need a bank account to apply. The application can be completed in under 5 minutes.

Use the Arro Credit Card Immediately
Get immediate access to a virtual Arro Card while your physical Arro Card arrives in the mail. Whether you plan to use credit to pay essential bills — rent, utilities, gas — or you’re just looking for an opportunity to build a better credit score, the Arro Mastercard credit card can be used immediately so you don’t have to wait. Add your virtual Arro Card to your mobile wallet instantly to start building your credit.

Unlock Rewards & Grow Your Credit
We believe that strong habits now lead to a healthier financial future. That’s why we reward you for learning more about your personal finances and building good financial habits that stick. Grow your credit by achieving goals in the Arro app such as:
• Completing bite size financial education lessons
• Making back-to-back payments
• Signing up for autopay
• And more!

Master Your Personal Finances
Financial literacy is key to achieving financial freedom. Our in-app personal finance lessons include tips, hacks, and guides to better your credit score and personal finances. Lessons cover all of the topics below and more:
• Managing credit
• Increasing your credit score
• Budgeting for the future
• Smart shopping tips
• Saving for the future
• Investing for retirement
• Selecting the right bank accounts
• Understanding interest rates and debt payoff
• Protecting yourself against predatory lending
• Planning for home ownership
• Protecting your health and your assets with insurance
• Increasing your income
• Using personal loans

Track your Credit Score for Free
With the Arro app, you can track your credit score in real-time to see your financial progress. We help you build your credit by reporting to all three major credit bureaus: TransUnion, Experian, and Equifax.

What’s New

Version 0.0.27

Updates and enhancements

Ratings and Reviews

4.6 out of 5
909 Ratings

909 Ratings

MHg<3 ,

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.

elo6109 ,

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.

KittinFan ,

Arro is great for EVERYBODY

I was very skeptical about this product because of the annual fee and all that, but it’s been a valuable tool in managing my financial health. I’m almost 40 years old and this app has taught me things I never even knew about finances! I recommend this to anybody looking to learn to manage finances - no matter what age. What’s also great is the card has a low Apr to start — only 16% which is roughly HALF the interest of a standard unsecured credit card nowadays. I love how it financially educates you and offers credit limit increases and Apr decreases by completing courses right in the app! Artie, the Arro AI, is also very helpful. You can ask it anything about your account and it’s also very valuable. I highly recommend this card to anybody at any age. It’s never too late to turn things around and learn finances the RIGHT way!

App Privacy

The developer, ArroFi Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • User Content

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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