For unbanked and underbanked borrowers, ncome supports, budgeting guidance, and additional savings will not entirely fill the need that credit satisfies. First, well-structured credit can support a household’s ability to save. Second, building a credit history is a critical financial asset in its own right. Third, credit can facilitate an investment or purchase that provides the foundation for other wealth-building activities. To meet these goals, small-dollar, short-term credit must be high quality. It must be marketed transparently and priced fairly.