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.



Carmen’s Farewell

Our passionate Outreach Coordinator shares her favorite memories from working at MAF

Nesima Aberra
Opportunity Google JESUS

Lending Circles for Deferred Action Expands in LA

Bringing financial support to immigrants seeking Deferred Action

Victoria Mayernick

Fremont Family Resource Center Delivers a Recipe for Success

What is the secret to our partner Fremont Family Resource Center's success? Find out here!

Mohan Kanungo

Welcome Alyssa: MAF’s Partner Manager

Alyssa’s passion for microfinance and community connections brought her to the MAF team.

Victoria Mayernick

as seen in



Are Banks Too Expensive?

Rising fees and interest rates make it difficult for those living paycheck to paycheck to enter the banking world.

nerdwallet logo

Lending Circles Weave Disadvantaged Borrowers into Credit Mainstream

Members' success stories are shared in order to shed light on the power of lending circles.


Consumidor al dia: Organice sus finanzas

Ximena Arias de la Organización Comunitaria “Mission Asset Fund” explica los detalles de un evento para organizar sus finanzas.


Lending Circles helping Borrowers Meet Financial Goals

CBS takes a closer look at the potential power of lending circles through the story of one of our incredible members,

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.

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