How our loan request service works

You fill in one form on our home page. It is shown to lenders and lending partners in a third-party network. If one wants to lend, you see the amount, APR, fees and payment dates and choose whether to accept. Using the form is free, it is separate from Arro, and it is not a guarantee of an offer.

Checked November 9, 2026 against Arro's own pages and the independent sources listed below. Written by the ArroCardApply Editorial Team.

Three steps from form to lender to funds
On this page
  1. The process
  2. What we do and do not do
  3. What lenders usually look at
  4. If you do not get an offer
  5. How this differs from the Arro Card
  6. Costs

The process

  1. You submit a request. Choose an amount from $200 to $5,000 and enter your contact, income and bank details.
  2. The network looks for a match. Your request is passed to lenders and partners that may lend in your state.
  3. A lender may make an offer. You are taken to the lender's own page, where the full terms are shown.
  4. You read the terms. Amount, APR, finance charge, payment dates and what happens if you pay late.
  5. You accept or decline. There is no obligation, and declining costs nothing.
  6. Funding. If you accept, the lender sends the money to your bank account. Timing depends on the lender and your bank.

What we do and do not do

We doWe do not
Run the website and host the formLend money
Pass your request to the networkDecide who is approved
Explain costs and alternativesSet rates, fees or terms
Get paid by the network for referralsCharge you anything

What lenders usually look at

  • Regular income and how you receive it
  • An active checking account
  • Your state of residence, since loan rules differ by state
  • Credit or other consumer reports, depending on the lender

Each lender has its own criteria. A thin credit file does not automatically rule you out, and a good one does not guarantee approval.

If you do not get an offer

Not every request is matched. You may instead be shown other financial products or services from partners. You are free to ignore them. See our responsible lending page for options that do not involve borrowing.

How this differs from the Arro Card

The Arro Card is a credit line for purchases, starting at up to $300. A personal loan is a fixed amount paid into your bank and repaid on a schedule. We explain the difference in Arro loan. To apply for the Arro Card itself, go to Arro: see how to apply.

Costs

Read rates and fees before you request a loan, and our advertising disclosure for how we are paid.

Questions people ask

Does it cost anything to use the form?

No. We do not charge you. If you are connected with a lender, the network may pay us a referral fee.

Will submitting the form affect my credit score?

Submitting the request to us does not. Lenders that consider your request may check credit or other consumer reports, and some checks can affect your score.

How fast can I get the money?

That depends on the lender and your bank. The lender's offer will state when funds are expected.

Keep reading

Request $200 to $5,000