Is Arro legit?

Yes. Arro is a real financial technology company, ArroFi Inc., founded in 2021 and based in the Los Angeles area. The Arro Card is a real Mastercard issued by Community Federal Savings Bank, Member FDIC. Legitimate does not mean flawless: user reviews are mixed, and scammers imitate fintech brands, so apply only through Arro's own app or website.

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

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On this page
  1. Who is behind Arro
  2. Signs that it is a real credit product
  3. The honest concerns
  4. How to avoid Arro impostors
  5. Is Arro safe to link to your bank?

Who is behind Arro

FactDetail
Legal nameArroFi Inc.
Founded2021
LocationMarina del Rey, California
LeadershipRyan Duitch, founder and CEO; Luke Pelullo, co-founder and COO
Card issuerCommunity Federal Savings Bank, Member FDIC
NetworkMastercard
Credit Builder lenderCross River Bank, Member FDIC
FundingVenture-backed; PitchBook lists about $17 million raised
AppMore than 300,000 downloads, per Arro's Wefunder page

TechCrunch covered the company's launch in 2022, and the card has since been reviewed by NerdWallet, U.S. News, Nav and others.

Signs that it is a real credit product

  • A regulated bank issues the card. Fintechs are not banks. Arro's card is issued by an FDIC-member bank, which is the standard arrangement.
  • It reports to the credit bureaus. Members see the account on Equifax, Experian and TransUnion reports.
  • Bank links go through Plaid, the same service used by most finance apps.
  • Costs are disclosed before you accept. You see the credit line and first-year fee at approval.

The honest concerns

ConcernWhat we found
User ratingsTrustpilot 2.9 of 5, WalletHub 2.8 of 5
SupportEmail only, no cardholder phone line
OperationsComplaints about payment delays, card delivery and wrong reported limits
TermsFull cardholder agreement is not posted on the public site

These are service-quality problems. They are not signs of a scam. They are covered in detail in Arro complaints.

How to avoid Arro impostors

  1. Install the app only from the App Store or Google Play and check that the publisher is ArroFi Inc. or Arro Finance.
  2. Type arrofinance.com yourself instead of following links in texts.
  3. Never pay an upfront "approval fee" by gift card, wire or payment app. Arro's membership is billed to the card account.
  4. Do not share one-time codes with anyone who calls or messages you.

For clarity: this website is independent. We explain Arro and offer a separate personal loan request form. We are not Arro and say so on every page.

Linking through Plaid gives Arro read access to balances and transactions so it can assess income. That is how it approves people without a credit score, and it is also a real privacy trade-off. Read Arro's privacy policy, linked in its site footer, before you connect.

Questions people ask

Is Arro a real credit card?

Yes. It is a Mastercard credit card issued by Community Federal Savings Bank, Member FDIC.

Is Arro a scam?

No. It is an operating fintech with a bank-issued card and coverage from major finance publications. User reviews are mixed on service quality.

Who owns Arro?

Arro is run by ArroFi Inc., a private venture-backed company founded in 2021.

Is Arro FDIC insured?

The issuing bank is an FDIC member, but a credit card is a loan, not a deposit, so there is nothing for FDIC insurance to cover.

Sources

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