For every friend you successfully invite to Kiva, you can earn a $25 free credit!

With the Kiva free credit program, for every new user you successfully invite to join Kiva, you’ll earn a $25 free credit, which can be used to make a free loan to a borrower of your choice. Supplies are limited, so invite your friends to join Kiva today!

How to earn a free credit

There are lots of ways to invite your friends to join Kiva -- send an email, post on Facebook, tweet about it, or share your personal invite URL anywhere you want! Check out the Invite Friends page of your portfolio for all the ways you can invite your friends to Kiva.

When someone joins Kiva through your invitation link, we’ll add a $25 free credit to your account, and you’ll be notified via email. It’s our way of saying thank you for spreading the word about Kiva! A free credit expires 7 days after your invitee joins Kiva, so make sure to put your free credit to use while you have it.

How to redeem a free credit

If you have a free credit, it will automatically be applied to the next loan you make. All you have to do is sign into your Kiva account, select a loan, and proceed through the checkout process -- it’s that easy! Please note, free credit funds cannot be applied to loans with repayment terms over 21 months or with Field Partner risk ratings below 3 stars. You’ll be able to see if a loan is ineligible for free credit redemption on both the borrower profile and in your basket.

The Fine Print:

Free credits can be earned on a "first claimed" basis for as long as funds remain available to be awarded. In the event that funds for free credits are fully distributed and no further funds remain at a particular time, then no further free credits will be eligible to be earned and no replacement reward shall apply. Free credits you earn expire seven (7) days after being added to your account. If a free credit expires, the expired credit cannot be reinstated. Free credits can only be used to make loans on the www.kiva.org platform that have terms of 21 months or less and are managed by a Field Partner with a risk rating of 3 stars or higher. You cannot withdraw free credits or transfer free credits for lending by others. If you make a loan with a free credit, any repayments on that loan are not returned to you, but instead are returned to the account of the sponsor for the free credit.