Millions live in the financial shadows

When hardworking families can’t get car loans or own homes, they turn to payday lenders and check cashers to make ends meet. High cost fringe financial services trap people in a cycle of debt, preventing hardworking families from realizing their true economic potential.


54 million people are without access to affordable credit. 17 million people don’t have access to bank accounts.


1 in 4 families turn to fringe financial services for their daily needs.


Being invisible costs more. Payday lenders charge 391% to 521% interest for payday loans.

We meet hardworking families where they are.
And then, we build on what they have.

the solution is simple

The solution can be found in the hidden strengths of communities across the country. People come together to lend and borrow money with each other. We connect this practice with the financial system so that borrowers can build credit and a brighter future.


People lend and borrow with each other all the time. We recognize this practice and use credit reporting to make it visible.


We help people navigate the financial marketplace and develop programs that transform everyday financial practices into savings and credit building opportunities.


We use technology to expand our programs nationwide. With a network of nonprofit providers, we are able to help low-income people across the country.



Product and Research Fellow joins MAF

Aparna brings a love of people and numbers to MAF's research team

Aparna Ananthasubramaniam

MAF welcomes new Marketing Fellow

Meet Tori, who's passionate about social enterprises and making an impact!

Victoria Mayernick

Being an Advocate for Prosperity

Lessons learned from the 2014 Assets Learning Conference

Nesima Aberra
Featured image TSFF

MAF wins prestigious Community Leadership Award

The San Francisco Foundation reveals the winners of the 2014 Community Leadership Awards

Daniela Salas

as seen in



Citi's historic involvement with non-profits and the exciting launch of a new branch.

CompareCards Logo

New to America? Here’s How to Build Credit

MAF is profiled as a unique credit-building option for recent immigrants.

Amercan Banker Logo

CFPB’s Cordray Homes In on Mobile Banking, Payments

CFPB hopes to tackle the exciting field of mobile banking.


Immigrants closing gap on homeownership

Two new studies indicate that immigrants have weathered the recent housing slump better than native-born Americans and are also rapidly closing the gap on home ownership rates

It’s not enough to feel good about the work we do. We care about having a real, tangible impact.
That’s why we validate our programs through third party-research.
This way, we measure our impact and use data to improve our programs.

We believe everyone deserves a shot at success.
Join us in making the financial system work for everyone.

Follow Us

Connect with us!
Find out what we're up to and how you can be involved!


Investing $100 generates $4,000 in social loans helping families build credit and a better future.