Evaluation and research are integral to the fabric of our organization. Our in-house R&D team is bolstered by stakeholder advisory councils and fosters a virtuous cycle of research and program development.
We work with academics from institutions like Yale University and San Francisco State University to study the effectiveness of our approaches.
NEW CREDIT SCORES
90% of clients without a credit score establish one for the first time
The typical credit score increase is 168 points
Better access = $1,000 less debt per person
INTEREST & FEES SAVED
Each loan helps a client save $360 on fees and interest.
Our clients are able to unlock 3 more tradelines on average
The vast majority of our clients repay their loans, and on time.
Each year, thousands of individuals emerge from the financial shadows to build brighter futures.