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Can I get a loan for my own business?
Kiva is not a bank or a microfinance institution. Therefore, we do not receive or review applications for loans. We do, however, know that looking for the right loan can be a challenging process so here are a few options that you might consider:
Thanks to Kiva's new Kiva zip pilot program, you can now apply directly for a loan on the Kiva Zip website if you live in the United States or Kenya. These loan are made at 0% interest, and are crowd-funded on the Kiva Zip website (https://zip.kiva.org/).The maximum size of the first loan is $5,000 (paid back over a maximum of 30 months), although subsequent loans can be $10,000 or more.
To learn more, and to apply for a Kiva Zip loan, please visit: http://www.borrowers.kivazip.org
You can also email the Kiva Zip team at firstname.lastname@example.org.
Kiva's Field Partners--
Kiva also partners with Field Partners around the world, who may be able to make a loan to you. Loans from these partners vary in interest rates, loan amounts and requirements. If you would like to apply for a loan through a Kiva Field Partner please contact the Kiva Field Partner in your local area. A list of Kiva's Field Partners and their contact information can be found on the Field Partners page: http://www.kiva.org/partners.
If you live in the United States, our United States Field partners are: ACCION Texas, ACCION East, ACCION San Diego, ASI Federal Credit Union, Grameen America, Opportunity Fund, Latino Economic Development Center (LEDC), Valley Economic Development Center (VEDC), Fresno Community Development Financial Institution, Working Solutions, and Pacific Asian Consortium for Employment (PACE).
If you live outside of the United States and cannot find a microfinance institution near you, please try the Mix Market, which is a great website that collects data on microfinance institutions around the world. Please refer to their website at http://www.mixmarket.org
Please note that Mix Market is an information service and does not provide funding. Also note that Kiva does not participate or have a say in which businesses are selected by our Field Partners. Contact each Field Partner directly for more information on loan requirements and underwriting guidelines.
How do I lend the Kiva Credit in my account?
To lend your Kiva Credit, please follow these steps:
Step 1: Go to https://www.kiva.org/login and sign into your Kiva account. Click "Lend."
Step 2: Find a borrower you'd like to support and click "Lend $25" to the right of the business description to add that loan to your basket.
Step 3: Add additional loans to your basket or click "My Basket" to check out.
Step 4: On the "My Basket" page you'll be asked to make an optional donation to Kiva's operating expenses. You can edit this suggested donation by clicking the "Edit" link next to the donation amount and selecting the amount you wish to donate ($0.00 is an option).
Step 5: On the "Review & Pay" page you will see your available Kiva Credit automatically deducted from your total. Review your transaction and click "Complete order."
If your total exceeds the amount of Kiva Credit in your account, the amount of your Kiva Credit will be deducted from your total, and you will be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or a PayPal account.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website. You will also receive a receipt confirming your successful loan purchase.
How do I use a Kiva Card?
Please follow these steps to make a loan using your Kiva Card:
Step 1: Go to https://www.kiva.org/login and sign into your Kiva account. If you do not have a Kiva account, you can register for one at https://www.kiva.org/register
Step 2: Click "Lend" to find a loan that interests you. When you do, add that loan to your basket by clicking the orange "Lend $25" button.
Step 3: When you've added all your loans to your basket, click "My Basket" at the top of the screen.
Step 4: On this page you will be asked to make an optional donation to Kiva's operating expenses. You can edit this suggested donation by clicking the "Edit" link next to the donation amount and selecting the amount you wish to donate ($0.00 is an option). Click "Continue."
Step 5: On the "Review & Pay" screen, you'll be able to enter your gift code.
To do this just enter your gift code in the "Have a Kiva Card?" box and click "Apply". Once you hit apply, you will see the amount of the Kiva Card reflected next to "Kiva Card" and your Total Due will change.
Step 6: When you're finished click "Complete order" or "Pay Now" to complete your purchase.
If your total exceeds the amount of your Kiva Card, the amount of your Kiva Card will be deducted from your total, and you will be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or a PayPal account.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website. You will also receive a receipt confirming your successful loan purchase using your Kiva Card.
Do I have to donate to Kiva's operating expenses?
100% of every dollar you lend on Kiva goes directly toward funding loans. Kiva doesn't take a cut of the loans you make but instead supports our operations through optional donations from our lender community. When you check out on Kiva we'll automatically ask for a 15% donation, however donations to Kiva's operating expenses are always completely optional so you can always choose to donate $0.00 when you lend.
When you check out on Kiva, you can change your donation amount on the "My Basket" page. To do so, click the "Edit" link below the donation amount. You'll see a window where you can edit your donation amount ($0.00 is an option).