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.


Isis Square (1)

Meet Isis Fleming: MAF’s problem-solving master

As MAF's "People, Fun and Culture" Manager, Isis helps MAF run like a well-oiled machine.

Victoria Mayernick

A New Mindset: The John R May Leadership Award

An award recipient reflects on the meaning of success

Jose Quinonez

Meet John Hayes: MAF’s cheery financial manager with a big vision

John's positive outlook makes his dynamic role at MAF all the easier to navigate.

Victoria Mayernick
Lessons Earned Feature Post Image

Lesson Earned #1: MAF Moves Pretty Fast

Join me as I strive to earn 11 lessons through my contributions to MAF

Victoria Mayernick

as seen in


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Lending Circles Weave Disadvantaged Borrowers into Credit Mainstream

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


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,


Zero to 789, in 26 months

MAF's model and success are chronicled by the NY Times.


‘Invisible’ Credit? (Read This Now!)

A close look into the problem of those left in the credit shadows and the many organizations looking to bring them out.

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.