How to apply for the Arro Card

Before you start

Check the Arro Card requirements first. You will need a smartphone, your SSN or ITIN, and the online banking login for the checking account where your income lands.

The application, step by step

1. Install the Arro app. Search for Arro in the App Store or Google Play. The publisher is listed as ArroFi Inc. or Arro Finance.
2. Create your account. Enter your email and phone number and verify them.
3. Enter your details. Name, address, date of birth, income and SSN or ITIN.
4. Link your bank through Plaid. Pick your main checking account. Arro reads deposits and balances to make its decision.
5. Review the offer. If approved, you see your starting credit line and the first-year membership fee before you accept.
6. Start using the virtual card. Add it to Apple Pay or Google Pay. The physical card is mailed, and reviewers report about 7 business days.

How long approval takes

Arro says the application takes five minutes or less, and Nav reports that decisions often arrive within seconds. Two things slow it down: a bank that does not connect cleanly through Plaid, and identity checks that need a manual look.

What you are approved for

First-year figures are as reported by NerdWallet in April 2026. The app shows your exact fee before you accept.

If the answer is no, or "not yet"

A denial comes with reasons, usually low or irregular deposits, a low balance or overdrafts. Read Arro Card denied for the fixes. Some applicants are placed on a waiting list instead, which we cover in Arro waitlist.

If you applied because you need money now, a new $300 credit line was never going to solve that. A personal loan request is a different product with different rules.