
Arro is a financial technology company focused on making credit accessible to everyone, regardless of their credit score. They offer the Arro Card, which helps users build credit, gain financial control, and avoid surprises. Key features include starting with a small credit limit ($50-$200) that grows over time, earning 1% cash back on gas and groceries, and no hard credit checks. Arro also provides "Artie," an AI-powered money coach offering personalized support, financial advice, and tips for building credit. The Arro app includes bite-sized lessons on credit basics, progress tracking, and insights to improve financial habits. Users can access financial tools and lessons for free, even without a credit card, and apply for the Arro Card when ready. The company has facilitated over $3 million in credit for its members.

Arro is a financial technology company focused on making credit accessible to everyone, regardless of their credit score. They offer the Arro Card, which helps users build credit, gain financial control, and avoid surprises. Key features include starting with a small credit limit ($50-$200) that grows over time, earning 1% cash back on gas and groceries, and no hard credit checks. Arro also provides "Artie," an AI-powered money coach offering personalized support, financial advice, and tips for building credit. The Arro app includes bite-sized lessons on credit basics, progress tracking, and insights to improve financial habits. Users can access financial tools and lessons for free, even without a credit card, and apply for the Arro Card when ready. The company has facilitated over $3 million in credit for its members.
Headquarters: Los Angeles, CA
Founded: 2021
Product: Arro Card (no deposit, no hard credit check) + app with AI coach 'Artie'
Seed funding: $10M (Oct 11, 2022, led by Crosslink Capital)
Consumer credit access and credit building for underserved or thin‑file consumers
2021
Financial technology (fintech)
$10,000,000
Participation from Bling Capital, BAM Ventures, Global Founders Capital, and WTI
“Crosslink Capital led seed; participation from multiple VC firms”