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.

INVISIBLE

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

STUCK

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

STRAPPED

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.

RECOGNIZE

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

BUILD

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

SCALE

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.

Blog

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Claudia: Becoming a U.S. Citizen

From Mexico to San Francisco, this stylist followed her dream and is a proud new U.S. Citizen

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Little Plates, Big Heart

Find out how MAF's microloans can turn little plates into big business

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Delivering Lending Circles to The Mile High City

Find out what connects a lunchbox, social loans, and Denver, Colorado.

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In Awe: MAF’s CEO stands up for scale at CGI America

Lending Circles is a successful model that provides the framework for the future of finance.

as seen in

PRESS

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Where Credit is Due

How a startup nonprofit uplifts immigrant entrepreneurs through community lending

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Q&A: Economic sociologist Frederick Wherry on the ‘sleeper social justice issue’

Q&A with Professor Fred Wherry on his research at MAF's credit-building work

DenverPost

Groups recommit to Clinton initiative

MAF commits to scaling Lending Circles to promote financial opportunity and access to credit.

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Fresh Ideas to Help Cash-Strapped or Underbanked Consumers

New documentary explores the plight of the underbanked and innovative financial solutions

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!

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

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