Based in United States


A For-profit with social mission

How This Works

As part of the TRANSFORM Support Hub, you will learn how to advance your career while getting hands on experience with organizations like this one.

Organization Details

Arro is a mission-driven fintech company focused on fair credit for underserved, thin file, and new to credit consumers. Arro provides a $50-200 credit card to consumers alongside a gamified app experience. Members unlock higher credit lines as they complete activities focused on financial literacy and actions that demonstrate positive financial behaviors like making payments, reaching savings goals, budgeting and more. 

Impact Story

Arro’s model encourages responsible financial behavior and constant improvements with financial literacy. This level of long term responsible financial behavior shapes borrowers of tomorrow who are responsible, confident, armed with knowledge, and with stronger credit scores – this opens up access to life’s basic essentials such as housing, access to loans, transportation, and beyond. All Arro customers will be able to access curated financial offers that contribute to improving their financial health, all available based on the proprietary data gathered through the customer’s journey in the Arro app.

Arro’s approach to credit access and gamified and incentivized financial education blends the two into a user-friendly, yet engaging digital experience. By prioritizing income over traditional credit scores for approvals and integrating gamified financial lessons, Arro has democratized credit for a broader audience. Since its launch in June 2023, Arro has seen significant traction, with 80k+ app installs across Google Play and the App Store. The app is rated 4.5 stars, with over 1,000 5 star reviews, 96% retention, and 50%+ weekly active users. Arro members aren't only satisfied with the card, but it's making a meaningful impact on their lives.