Giving Credit is the premier community finance credit reporting agency.

Our mobile app:

  • facilitates and rewards peer lending in financially excluded communities

  • collects and aggregates community finance data

  • partners with financial institutions to use community finance data for the underwriting of mainstream credit products

Expanding access to mainstream credit through peer lending data.

The financial system fails to meet the needs of low-income communities. There are 45 million people in the U.S. who are credit invisible, and payday lenders extract $9.1B annually.

Faced with financial exclusion, people engage in community finance. 90% of low-to-moderate income individuals borrow from their friends and family, showing their credit reliability every day.

The mainstream credit system has no visibility into the community finance market. We are on a mission to change that!

With community finance data, we can expand access to high-quality, wealth-building products for 108 million people in the United States.