How to Make Arro Card Online Payments: A Step-by-Step Guide
Managing your payments on time is the single most important factor in building your credit score. The Arro Card makes this process simple through its mobile app.
Here is a step-by-step guide on managing and making online payments for your Arro Card.
1. Accessing Your Account and Statements
The Arro Card is managed entirely via the mobile app (there is no traditional desktop "online portal").
- Log In: Open the Arro app and log in using your credentials.
- Check Your Balance & Due Date: The main dashboard displays your current balance, minimum payment due, and payment due date. Arro offers a standard grace period of ~25 days from the end of your billing cycle to pay in full without interest.
- View Statements: Past monthly statements are available within the app for a detailed breakdown of transactions.
2. Setting Up a Payment Method
Before you can pay, ensure your bank account is linked. This is often completed during application, but can be managed anytime.
- Link Account: Navigate to payments or settings and link your checking account securely using a service like Plaid.
- Backup Method: You can link a backup account within the app as a "challenge" to increase your credit limit and ensure payment reliability.
3. Making an Online Payment
Arro makes paying your bill simple and fast:
- Navigate to Payments: Tap the "Make a Payment" button on the main dashboard.
- Choose Amount: Select the amount you wish to pay:
- Minimum Payment Due: Satisfies your monthly requirement but accrues interest on the remaining balance.
- Statement Balance: Pays the previous month's balance in full and avoids interest charges.
- Current Balance: Pays off everything you owe, bringing your utilization down to zero.
- Other Amount: Input a custom amount.
- Confirm and Submit: Select your linked bank account, review details, and tap "Submit Payment."
4. Setting Up AutoPay
The best way to guarantee on-time payments is using AutoPay:
- Enable AutoPay: In payment settings, toggle on the AutoPay feature.
- Select Option: Choose to pay the Minimum Due or Statement Balance automatically each month on the due date.
- Benefits: On-time payments are crucial for building credit history, and AutoPay ensures you never miss a due date.
Related Arro Card Articles
- Arro Card: Build Unsecured Credit with No Hard Credit Check
- Examples of Arro Card In-App Challenges
- The Arro Card Application Process: A Different Approach to Approval
- Managing Your Arro Card Account: A Tour of the Mobile App and Online Portal
Arro Card
- 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.
- CLICK HERE TO APPLY ONLINE
*Subject to terms and conditions
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
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