Arro Reviews

1. Yes they perform a hard inquiry 2. Yes they take, keep and use personal information 3. Arro 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.

this app I set up auto payment of 9/15 more than enough time of my cc due date it took you 6 days to do so . I’m Arro still showing a balance that is already paid the money was taken out my account and it still not posted why is that? You can’t call anyone on email. This company is hurting my credit making it look like I am paying my cc bill late. Late email response. If you are trying to bill you credit this card is no for you because of this app my credit score drop 3 points.

If you don’t feel CONFIDENT that you will be approved, do NOT apply. First I gave them my social, that wasn’t enough to tell me I’m not approved. Then my bank, hmm still not enough. Let’s get pictures of the front and back of your drivers license. Ahhhh DANG not enough info! I’ll tell you what, take a selfie really quick! Nice! We aren’t going to be able to approve you today, sorry! Absolute waste of time. Why did they need a picture of me as will as my drivers license to know wether or not I will be approved?? Tell me when you see my bank and credit.

Auto response trash or just ignorance? They reply that they NEED a picture of me and my drivers license to know wether or not I’m approved… Don’t do it unless you’re sure. They say no credit required, it’s not true. There is always fine print. They have my bank info…. And I have no affiliation with them. That’s not weird at all…

First I had issues with actually signing up per online states I’m approved then trying to actually sign up to go through the process 👎🏽👎🏽👎🏽 I reached out to support for assistance to help with sign. After 2weeks I received a response that I wasn’t approved 🤨 how can I not be approved if i didn’t even complete sign up with bank account linking or anything 😠😠 this is probably the absolute worst app and customer service I have ever experienced. At this point I believe that the denial was sent to avoid actually trying to help resolve Arro issue which many appear to be experiencing bc again how can I get denied if I never completed the initial sign up 🤨🤨🧐 with this experience alone, ima just take it as a sign to not proceed with this company, I would hate to be an established customer and be given the run around

I looked at the reviews and seen how good they were and thought to download Arro . once I tried to make an account it asked me to verify myself with my name birthday and social, after putting in that information and double checking it Arro said it was unable to verify me and I received a email from them stating However, we regret to inform you that your application for credit is no longer under consideration and we cannot open an account for you at this time because we were unable to verify your identity.

I have a Google Chrome Book to download Arro on as well as my iPhone & neither of them allow me to log into my this app account to see if I even have one. The second I enter my information it tells me that my number &/or my email is not valid. They’re both valid. I changed them to try again & I get the same message every time!! I emailed customer several times about My issues with Arro/ account & I hear nothing back each time & it’s been almost a year of me trying. Terrible for me. IDK….

I’ll be honest, I’ve never written a review before, but I don’t know how else to get their attention. I signed up for this and was excited to build my credit. Early on, there was an issue linking my bank with their payment system, and now they’ve put negative remarks on ALL THREE of my credit reports just before I’m about to apply for a mortgage. I contacted them via email and their team (“Eddie”, specifically) said they would address the issue within 4-5 business days and remove all the negative remarks. It’s been 7 days and I’ve heard nothing. If they reach out, I’ll delete this! But for now, I’d caution anyone signing up that they absolutely won’t make good on their promises.

I like Arro the only thing I hate is the long wait time for the payments to be taken out of my account. I have the amount of money I need in my account, I make a payment just to come back and see that the payment failed for no reason at all. That being said, invest in express payments. It’s 2023, there should be no reason that this app does not have an option to use express payment so my money doesn’t take days to post to my account..

I do like the card. I don’t see any hard inquiries on any of my credit reports, as other reviewers have mentioned. What I do have a gripe with, is that the Growth levels are unusable at the moment. I started on my platinum level, this app came out with an app update, and now I can’t do anything “growth” related. The CS response email I received, reads as such:

At this moment we ask for some patience, our internal development teams and engineers are providing some updates to our Grow section of Arro that will take a few weeks to complete.

This update includes some rebalancing of rewards and their requirements as well as a better user interface. This is all being implemented to make the Grow section of Arro easier to use and understand for our members.

I can confirm that once this update is deployed our system should automatically level you up to Platinum.

A few weeks?!? All this rebalancing and what not should have been done BEFORE releasing a new app version. Would have finished the “investing” lessons by now, and am getting tired of waiting. The previous app worked just fine, and if one wasn’t able to figure out how to use it, they should stick to pen and paper communication.

Really impressed by Arro. Love how they accept everyone and promote learning about credit! Was surprised about some of the things I didn’t know and excited to build my credit up some more with a card. Highly recommend 👍🏾

Indeed it has helped me with my credit. The process was very easy and i got approved instantly. I do believe when signing up with them can be a little chaotic cause my spouse had some difficulties but overall for me it has been great. I am with them since September of 2023 and when i need emergency funds they have been there to help.

My credit just went up 41 points the other day with this card. I’ve had small increases to my credit prior to this big one since getting this card. I tell everyone about this app credit card. Whenever I have questions or need assistance customer service always gets back in a timely manner as well.

I’ve had Arro for a few days now and it’s simple. Go through the lessons and keep boosting your credit. I can’t say I hate it so far. O actually enjoy it. It can really teach you lessons about obtaining as well as maintaining good credit while they boost you just for learning. Looking forward to a long relationship building credit with this Company

Wow I am thankful that this was a legit service that helps peeps like me who have messed there credit up that I thought I’d never be able to see a credit card again!! They make it fun for you to grow your limit by learning the basics of good credit management ya know anyways try this out if you new to credit or have bad credit this is for you!

When I started with this app, it wasn’t that I had bad credit; I just didn’t have any credit at all.

Through their interactive app which gamifies learning about credit and leveling up on my credit score I’ve learnt a ton about managing my money while building my financial future.

The team, specifically Eddie, has tailored to every need of mine, even when there are glitches with Arro .

They are a startup but doing great by the customers that they serve.

With the help of this app, I’ve been able to build my credit tremendously over the last 7 months and have gotten an Amex platinum in addition to my this app!

Thanks for the help and teaching me about responsible lending.

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 Arro 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 Arro ! Artie, the this app 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!

I cannot say enough good things about this app customer service. They responded within 24 hours and resolve my issue within the same day even when other obstacles came up they constantly responded to my email and were quick to fix the problem. I highly recommend error credit card for anybody looking to build their credit!

Love this app! I’ve had it for about two months and it’s been a great way to increase my credit limit at an appropriate pace that I can manage. Each time I’ve completed the tasks in Arro , my limit has increased instantly. I want to thank this app. I really appreciate it. What a smart way to revolutionize the credit card industry.. not taking advantage of beginners or those who need some financial literacy.

Rarely write reviews but wow! I am never approved for any credit cards that didn’t require a big ole down deposit. I’m a college student and being able to actually access a real credit card with no credit check and only relying on income is amazing. I love the whole concept of credit and financial lessons being completed to raise the credit limit in small amounts, and I love how digestible the content is. Seriously I cannot recommend this enough and will be telling all my family about this. Heres to a better financial future :)

I’ve been using the this app Finance app, and it’s been an incredibly smooth experience. Arro is clean, intuitive, and makes managing my finances a breeze. Whether I’m checking my balance, making payments, or tracking my spending, everything is quick and easy to access.

What sets this app Finance apart is its speed and reliability. Transactions are processed swiftly, and I get instant notifications, keeping me updated in real time. The customer support is also top-notch, always responsive and helpful. If you’re looking for a seamless financial management app, this app Finance is a fantastic choice.

I highly recommend Arro for anyone who is new to credit or needs to rebuild their credit profile. The first thing I was impressed by was the 16% APR. That’s much better than the 29% - 99% alternatives out there!! 😁 IJS
Tip: Make sure you have at least $50 in a bank account that has frequent deposits when you apply. I was approved for a $50 starting credit limit with a 600 credit score. I already increased my credit limit to $70 by completing the learning activities in Arro (which is a VERY COOL FEATURE)!!!!