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How do I get a loan?
Kiva is not a bank or microfinance institution, which means that most of the loans fundraising on our website were not provided by Kiva directly. Because we know that finding the right loan can be a challenging process, here are a few options to consider:
If you’re an entrepreneur in the U.S. --
Kiva supports entrepreneurs in the U.S. with interest-free loans which are crowdfunded by lenders across the globe and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000.
Rather than assessing credit history and financial statements, Kiva U.S. relies on trust networks as a measure of creditworthiness. For that reason, applicants are required to secure a Trustee or initial lenders from within their own network prior to fundraising on Kiva. To learn more and apply for a loan please visit: borrow.kiva.org
Questions about applying for a U.S. loan can be sent here: firstname.lastname@example.org
If you live in another country around the world --
Kiva partners with Field Partners in many countries around the world who may be able to make a loan to you. These loans vary in interest rates, loan amounts and requirements. To apply for a loan through a Field Partner, please contact them directly. A list of Kiva's Field Partners and their contact information can be found at: kiva.org/about/where-kiva-works
If you can’t find a partner 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: mixmarket.org
Please note, MIX Market is an information service and doesn’t provide funding. Also note that Kiva does not have a say in which businesses are selected by our Field Partners. Contact each partner directly for more information on loan requirements and underwriting guidelines.
How do I lend the credit in my account?
To lend your Kiva credit, please follow these steps:
1. Go to kiva.org/login and sign into your account.
2. Click "Lend" and find a borrower to support. When you do, click "Lend $25" to add that loan to your basket.
3. Add additional loans to your basket or click "Basket" to begin the checkout process.
4. On the basket page you'll see your loans, and be asked to make an optional donation to Kiva's operating expenses. You can edit the suggested donation by clicking the "Edit" link next to the amount and selecting how much you want to donate ($0 is an option).
5. If your basket looks good, click "Continue" and you'll be taken to the "Review & Pay" page where you'll see your available Kiva credit automatically deducted from your total. Review your transaction and click "Complete order."
If your total exceeds the amount of credit in your account, your credit will be deducted from your total first and you will then be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or PayPal account.
Upon completion of your purchase you will be directed to an order confirmation page. You’ll also receive an emailed receipt confirming your purchase.
How do I use a Kiva Card?
To use your Kiva Card, go to: kiva.org/redeem
On this page you'll see a box where you can enter the card’s gift code and click "Apply."
Once you've entered the code, click the blue "Get Started, Find a Loan" button to find a list of all loans in need of support. When you find a loan that interests you, add it to your basket by clicking the blue "Lend $25" button.
When you’re ready to checkout, click "Basket" at the top of the page. This will begin the checkout process.
In order to use a Kiva Card you will need to sign up for a Kiva account if you don’t already have one. Please also note that if your total exceeds the amount on your Kiva Card, you’ll be directed to PayPal to pay for the difference between the total due and the amount of your Kiva Card. Upon completion of your purchase you will be directed to an order confirmation page on Kiva's website. You will also receive an emailed receipt for your purchase.
Do I have to donate to Kiva's operating expenses?
Donations to Kiva’s operating expenses are always optional, although vital to what we do.
100% of every dollar lent on Kiva goes toward funding loans. Kiva never takes a cut of these loans -- instead, we support our operations through donations from our lending community. While a donation is automatically suggested during checkout, you can always opt out on the “Basket” page by clicking the “Edit” link below the donation amount and changing it to $0.
How do I view my transaction history?
You can see a record of all your transactions on Kiva by signing into your Kiva account and going to: kiva.org/portfolio/transactions
This page will list your entire transaction history so that you can check on any of your past deposits, purchases, repayments and withdrawals.
How do I withdraw funds from my Kiva account back into my PayPal account?
To withdraw funds from Kiva, go to: kiva.org/withdraw
On this page, enter the amount you want to withdraw and email address associated with your PayPal account (you will need to enter this email twice), then follow the prompts.
Kiva will process your request and the funds should be deposited into your PayPal account in 1 to 2 weeks. Kiva is unable to deposit funds directly into a personal bank account, so if you don’t have a PayPal account please create one at: paypal.com
How do I change the email address registered with my account?
To change the email address associated with your Kiva account, sign into your Kiva account and go to: kiva.org/settings/account
Enter your new email address and Kiva password in the fields provided and click “Update email” to save.
How do I make a loan on Kiva?
To make a loan on Kiva, try following these step-by-step instructions:
1. Go to kiva.org/login and sign into your Kiva account or create a Kiva account.
2. Click the "Lend" at the top of the page, which will take you to a list of borrowers that you can support.
3. Select a borrower to whom you'd like to support and click "Lend $25." Add additional loans to your basket or click to proceed to checkout.
4. In your basket you'll see your loans plus a suggested optional donation to Kiva's operating expenses. You can edit this donation by clicking the "Edit" link under the donation amount and selecting the amount you wish to donate ($0.00 is an option).
5. Click "Continue" and continue through the checkout process where you'll be directed to PayPal's website to complete payment for your loan.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website and will receive an emailed receipt confirming your loan purchase.
Why are there no Field Partners or borrowers in country X?
Kiva works with Field Partners in over 80 countries, and this number is growing as our partnerships team finds and approves new partners. For a list of the countries where our partners work, please visit: kiva.org/about/where-kiva-works
We hope to eventually work in every country, but must also grow at a pace that’s healthy for both our current partners and for Kiva.
If you want to support a country we don’t work in please check out the MIX Market, which is a great website that collects data on microfinance institutions around the world. Visit mixmarket.org for more information.
Also, if you know an organization that you think would make a great Field Partner in a country we don’t yet work in, please encourage them to apply to become a partner. More information can be found here: kiva.org/about/where-kiva-works/partner