Create opportunities around the world
From a new fishing net to community solar power, it’s easy to help fund a loan that changes someone’s life.
Find a person you want to support
Decide how much you want to contribute
Check out—your funds are allocated to the borrower
Get repaid, and lend to someone else!
How do Kiva loans work?
Still wondering, “But how do borrowers get their money?” or “How do lenders get repaid?” Let’s follow Margarita’s story to dig into how Kiva loans work from start to finish.
Someone applies for a loan
Margarita needs $1,000 to expand her tortilla business, so she applies for a loan with CrediCampo, a microfinance institution (MFI) and one of Kiva’s lending partners.
They’re approved and ready to crowdfund
CrediCampo posts Margarita’s loan to Kiva.org, with editing and translation help from Kiva volunteers.
You lend a little toward their goal
You see Margarita’s story and want to support her business. You lend $25 (or more!) to help crowdfund the full loan amount.
The loan is successfully funded!
Thanks to you and 31 other lenders, Margarita’s $1,000 loan is fully funded!
"My dream was to run my own business so I would not depend on anyone but to depend on my own effort"
The borrower receives their funds
100% of the loan amount is sent via wire transfer to CrediCampo, who provides Margarita with the capital she needs to invest in her business.
The borrower invests in their livelihood
Margarita uses her Kiva loan to buy corn, gas, and firewood so she can improve production, increase her income to support her family, and keep her children in school.
You get repaid
(Kiva borrowers have a 96.4% repayment rate on average.)
As Margarita starts earning more, she begins sending repayments to CrediCampo, which are repaid to you and other lenders who helped fund her loan. These funds go straight into your Kiva account.
You can relend your funds to support another borrower again and again! Your dollars can travel the world, changing lives one loan at a time.
These loans are almost fully funded!
Contribute as little as $25 to help one of these borrowers achieve their dreams.
If you needed to buy a delivery truck for your business, you probably wouldn’t ask for donations; you’d apply for a loan.
But what about the billion people without access to traditional finance? That's where you—and Kiva—come in. Kiva loans give people the power and resources to build the life they choose. By crowdfunding smaller amounts—called microloans—we can help more borrowers get funded.
With Kiva, you can trust that you’re making a real difference.
Know where your money is going
Decide exactly who you want to support and why.
Support a real person
See that you’re making a positive impact in someone’s life.
Do a lot with a little
Make a big impact, even if you don’t have a lot to give.
How does relending work?
Kiva has funded over $1.5 billion in loans thanks to one simple yet impactful process: relending.
Yes, money is a finite resource. But with Kiva, you can use the same dollars again and again, helping a new borrower each time your loan is repaid. Your same $25 could help someone open a salon, then support a child’s education, then invest in community solar panels, and so on!