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It’s not enough to feel good about the work we do

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.

Verified Results

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

DRAMATIC IMPACT

The typical credit score increase is 168 points

DECREASE DEBT

Better access = $1,000 less debt per person

INTEREST & FEES SAVED

Each loan helps a client save $360 on fees and interest.

DOORS OPENED

Our clients are able to unlock 3 more tradelines on average

REPAYMENT RATE

The vast majority of our clients repay their loans, and on time.

National Impact

Each year, thousands of individuals emerge from the financial shadows to build brighter futures.

$8 MILLION IN ZERO-INTEREST LOANS

99% LOAN REPAYMENT RATE

OVER 9,000 CLIENTS SERVED

$2.5 MILLION IN GRANTS TO CLIENTS

$1.6 MILLION SAVED IN FEES AND INTEREST

50+ PARTNERS IN 17 STATES & DC