https://www.arrofinance.com
About
How It Works
Here's How Arro Works, From Start To Finish
Build credit without the barriers. No deposit. No hard inquiry. No guesswork - just the Arro Card, Arro Credit Builder, Arro Insights, and Artie, your AI Money Coach.
Your Journey in 4 steps
Arro Is Working For You, Even Between Payments
Real-time spending insights, cash flow alerts from Artie, and results that speak for themselves.
Analysis
Trend Analysis
Track where your finances are headed, not just a month-end snapshot. Arro Insights shows you the full picture over time.
Stay Ahead Of Your Spending
Artie spots spending patterns and flags issues before they become problems, so you stay in control.
Pay $50 by Tuesday to raise your credit score by 10 points.
Verified Growth
Good habits have a way of showing up. And with Arro reporting your payments to the credit bureaus, yours always will.
The Arro Advantage
See how Arro compares to the cards most people in your situation would be offered instead.
| Feature | Standard credit card | Secured credit card |
|---|---|---|
| GETTING IN | ||
| Approval basis | Credit score | Cash deposit |
| Income & cash flow | Income & cash flow & credit factors | |
| Identity verification | ||
| Deposit required | No | Yes |
| Monthly fee | Varies | Varies |
| Up to $5/month* | $12/month | |
| *Paid annually | ||
| BUILDING CREDIT | ||
| Credit limit | Issuer-controlled | Equal to the deposit |
| From $50 up to $2,500 | $2,000 Tradeline | |
| Long-term commitment | Varies | Pay in full to recover your deposit |
| WHAT YOU GET | ||
| AI Money Coach | None | None |
| Artie, 24/7 | Artie, 24/7 | |
| Financial education | Varies | None |
| Built into the app | Built into the app | |
| Arro Card | Arro Credit Builder |
Ready to start your climb? Join a community of people building better credit - one payment at a time.
Disclaimer
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.