Disclaimer: One $50 free lending credit will be added to your account after you sign up for a Kiva subscription (both Monthly Good and AutoDeposit apply) with any monthly contribution amount and make your first monthly deposit by 11:59 pm PST 01/31/2022. Free credits will be applied within 48 hours of a qualifying deposit. Free credits expire within 14 days of their application to your account, and repayments on loans made with free credits return to Kiva. Free credits must be lent manually - neither Monthly Good nor AutoDeposit will lend them for you. While supplies last; a banner on Kiva's website will indicate if funds for this promotion have run out.