- Arro Card - EssentiaLoan

Arro Card

Loan Amount : $300 - $2,500

Build and grow credit – up to $2,500 over time
  • APR : 16% Variable
  • Loan Term : See Website for Details
  • Credit Needed : Poor to Excellent
  • Updated For : Wed 13 Aug, 2025
Terms and Conditions Apply

Overview


  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Highlights


  • Primary Benefit: Build and grow credit – up to $2,500 over time
  • Rewards Rate: 1% cashback
  • Credit Limit: Up to $300 starting limit
  • Regular APR: 16% Variable
  • Annual Fee: $36* (*discounted in Year 1 for starting credit lines under $200)
  • Credit Recommended: All Credit Types Accepted
  • Checking Account Required: Yes
  • Card Brand: Mastercard®
  • Late Payment Fee: Up to $8
  • Return Payment Fee: $0

Specifications


  • APR16% Variable
  • Loan TermSee Website for Details
  • Credit NeededPoor to Excellent

Disclosures


See Website for Details

Arro Card

Loan Amount : $300 - $2,500

Build and grow credit – up to $2,500 over time
  • APR : 16% Variable
  • Loan Term : See Website for Details
  • Credit Needed : Poor to Excellent
  • Updated For : Wed 13 Aug, 2025
Terms and Conditions Apply

Additional Resources

In-Depth: Understanding Personal Loans

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