Build Credit With Transparency And Control

Arro Credit Builder automatically reports your payments and delivers credit insights with no ongoing effort.

Learn How It Works Get Started

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.
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!

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.

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.

• 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 13 credit-building lessons
• Finish 6 on-time Credit Builder payments
• Connect your primary bank account to Budget Insights

Pick Your Credit Builder Plan

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
Just $8/month — billed once a year.
$8 /month (billed annually)

• What’s included:
  Best value for long-term credit building
• 12 months of Arro Credit Builder access
• One simple upfront payment: no monthly billing
• Same full features as the monthly plan

Build Credit & Save

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.

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.

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.