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.



Leveling up with new social loan sites

Today we are thrilled to unveil a brand new website. But to us, it's really more meaningful than just a new look.


Building Momentum in Chicago

Senior Account Manager Daniel Lau shares his experience on bringing Lending Circles to Chicago


Is a new logo like getting a new uniform?

If a brand is everything someone says or knows about your organization, a logo is like a team uniform.


Shifting the focus on social lending

Jan Stürmann, a videographer based out of San Francisco, shares his thoughts on capturing our stories.

as seen in



Lending Circles Helps Latinas Invest

Using trust Latina women build wealth and save through Lending Circles


Consumer al Dia: Prestamos a los Dreamers

DREAMers can receive loans to apply for DACA through the Lending Circles


Lending Bill Helps Poor By Slicing Through Red Tape

SB 896 cuts through red tape for affordable lending.

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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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.