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.



Donor Spotlight: Sean Turbitt

Find out what inspired Sean to donate to MAF

Nesima Aberra
MAF_members_staff-344 (1)

An advocate in the making

Debate coach and immigration advocate, Santos is a DREAMer who's going places

Nesima Aberra
Lessons Earned Feature Post Image

Lesson Earned #3: Think Small

With such a heavy focus on bringing organizations to scale, we've forgotten the power community holds.

Victoria Mayernick

as seen in



Understanding the ‘Invisible Finance Sector’

The Lending Circles program is an innovative way of recognizing invisible financial activity and building credit history.


Financial Exploitation of Communities of Color

A practical solution to the growing inequality and poverty within communities of color is bringing access to affordable lending services.


Poor communities lose billions to predatory lenders

Lending Circles are profiled as a viable solution to help low-income families avoid predatory lenders.


Community lending circles go mainstream

Lending Circles are making an impact across the nation.

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.