We’re focused on fair and responsible consumer lending solutions
Traditional finance has underestimated tens of millions of Americans. Our mission is to offer them access to credit with fair and responsible terms.
Underestimated?
Not by us
We aim to better meet the financial needs of underestimated consumers across the credit spectrum through our mastery of cutting-edge data science and technology and our commitment to mutual success.
Why “underestimated?”
ADF uses data to open up access to credit for the tens of millions of underestimated consumers -- people who have traditionally been frozen out of borrowing altogether, or unable to borrow at rates that reflect their true creditworthiness.
37%
of American adults could not cover an emergency expense of $400 without assistance.1
42%
of U.S. adults cannot access credit at prime or mainstream prices.2
Laser-focused on customer success
We are committed to financial inclusion, and operate under the principle that we only succeed when our customers do.
