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  • Arro: Credit Your Way screenshot 1
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  • Arro: Credit Your Way screenshot 5

About Arro: Credit Your Way

Introducing Arro — the financial app that believes in you. Unlike other apps, we approve you for credit based on your income, not your credit score. We give everyone the opportunity for fair credit access and a bright financial future.

Need to build your credit score? Nervous about taking on credit? Want to make the best decision for your financial future? The Arro Card is here to give you credit at a fair rate and help you make the best financial decisions. Apply for the Arro Card today, and change your relationship with money for life.

Why Arro?
• Credit based on your income, not your score
• Credit you need at fair rates
• No hidden fees
• Financial education to master your money

What you’ll get:
• Credit decision in minutes
• Digital and physical Arro credit card with starting lines up to $200
• In-app activities to increase your credit line immediately
• Low interest rates that get even lower as you level up
• Master your personal finances through bite size lessons and earn rewards
• Build credit automatically across all 3 bureaus with every on time payment

What’s new

Version 1.43.0 · Updated October 2, 2026

Usability improvements and bug fixes.

User reviews

Guy Kealoha
Guy Kealoha
outstanding. so far I'm loving this card, and the app itself. I wish that I would've found this earlier.
Mikki & Nikki
Mikki & Nikki
good one
Brandon Post
Brandon Post
I thought this card and service was a load of bull when I first read about it. But it is actually a great company with an awesome new and modernized way to establish or rebuild credit.
Sean Davidson
Sean Davidson
Got approved for $50, which is a start. I like how learning credit and personal finance can level you up and increase your credit limit. I want to make a few suggestions. The app would be better if it had fingerprint authentication and an option to use a debit card to pay down the balance.
Mario Roper
Mario Roper
It's legit and 😊
Mary Helen Messer
Mary Helen Messer
love it so far I have learnt a lot and can't wait to get my card and grow my score

Alternatives to Arro: Credit Your Way

Looking for apps like Arro: Credit Your Way? Here are 6 similar Android apps on Google Play. The highest rated is Wealthfront: Save and Invest (4.9/5), and all 6 are free to download.

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