Arro

Arro is a Los Angeles-based fintech company founded in 2021 that provides a credit-building platform and unsecured credit card designed to help underserved consumers access and grow credit. Unlike traditional lenders that rely on FICO scores, Arro uses a proprietary underwriting model based on income and behavioral signals. Its mobile app combines a Mastercard credit card (issued by Community Federal Savings Bank), an AI financial coach named Artie, and gamified financial education modules to help members build credit scores over time. Members start with a credit line between $50 and $300 and can grow it up to $2,500 by completing in-app learning activities, meeting budget goals, and making on-time payments. Arro earns 1% cash back on gas and groceries for cardholders and reports payment history to Experian and Equifax. The company targets the approximately 150 million Americans who are shut out of mainstream financial services due to thin or poor credit history, positioning itself as a behavioral finance product rather than simply a credit provider.