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    Help Center

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    Help Center > Search

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    Help Center > About Kiva
    About Kiva +

    About Kiva

    Kiva basics +
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    Donations to Kiva +
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    Finances +
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    Impact +
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    Jobs & volunteering +
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    Glossary +
    Repayment schedule
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    What do “Average Cost to Borrower” and “N/A” mean?
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    Help Center > Lending
    Lending +

    Lending

    Registration & sign in +
    How do I sign out of my Kiva account?
    Creating an account +
    How do I create a Kiva account?
    Is it possible to set up a group account?
    Do I need to create a Kiva account to make a loan?
    Do I have to create a Kiva account in order to redeem a Kiva Card?
    Why do I get an error message when I try to register?
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    Signing in +
    I forgot my password. How do I change it?
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    What does "Instant Sign-In" mean?
    Lending basics +
    What's the difference between a Kiva loan and a donation?
    Will I receive interest on my loan?
    What happens after I lend?
    Making a loan +
    How do I lend on Kiva?
    How do I lend the credit in my account?
    Do I have to donate to Kiva's operating expenses?
    How long will a loan remain in a lender's basket?
    Can I be a Kiva lender if I reside outside the United States?
    Will I get a receipt for my loan?
    Why is it important that I donate to Kiva in addition to my loans?
    How lending works +
    Can I donate funds instead of lending funds to a borrower?
    Can you cancel or refund my loan purchase?
    Can I support the same borrower more than once?
    How does the money for the loan get to each borrower?
    How does a group loan work?
    What percentage of my loan goes to the borrower?
    Will my loans be repaid?
    How are the borrowers chosen?
    What does "XX Days Left" mean on a loan?
    Do I need to report my loans to the IRS on my tax return?
    How are loans facilitated?
    How often are new loans posted to Kiva?
    Lending amounts +
    Can I lend less than $25?
    Can I lend more than $25?
    Expirations +
    Why do loans expire on the Kiva website?
    What happens if a loan doesn't fully fund on Kiva?
    How does loan expiration affect the borrower?
    Sharing your loans +
    How can I share my loans on Facebook?
    How do I share my loans on social media?
    Why does sharing my loans on Facebook require so many permissions?
    I want to share my loans on my group's Facebook page. How do I do this?
    Searching & filtering +
    Why can't I find the loan I previously selected?
    Loan details +
    Why do the loan descriptions from certain Field Partners seem so similar?
    Why is the loan listed for a woman when the description says the it's for her husband?
    Why is a man pictured if the loan says it's for a woman?
    Why does the group loan only list information about 1 borrower?
    Why are borrower pictures blurred or loans listed as anonymous?
    Search criteria +
    How can I minimize my risk of currency loss?
    How do I make a matched loan?
    What are loan tags?
    How do I sort loans by repayment term?
    How do I sort the loans to find those that are expiring soon?
    Can I search for loans by Field Partner?
    Can I filter loans by Average Cost to Borrower or ROA?
    Can you delete a loan tag?
    Saved search & favorites +
    How do I save a search?
    Can you alert me when a particular type of loan becomes available?
    How do I delete a saved search?
    Can I mark or save a loan and come back to it later?
    Availability of loans +
    Why are there no loans matching my area of interest?
    Why are there no Field Partners or borrowers in country X?
    Why are there no women education loans funding now?
    Why are there no India loans available?
    Why are there so few education loans fundraising?
    Why are there so few green loans available?
    Why are there so few women borrowers fundraising on Kiva right now?
    Updates & repayments +
    Updates +
    I received a journal update with an incorrect translation/untranslated. Can you translate it?
    Will I receive updates about the borrowers I have supported?
    Why didn't I receive an update on why my loan is delinquent?
    Repayments +
    Can I forgive a loan or request that a borrower not have to repay?
    How will I receive repayments?
    Why is my balance different from my repayment amount?
    Why didn't I receive repayments on a loan made using free credit?
    How does Kiva's repayment system work?
    Why don't I receive an email each time a repayment is made?
    How do repayments get back to lenders?
    What happens if a borrower can’t repay the loan?
    Does Kiva guarantee that loans will be repaid?
    When a borrower makes a repayment, can I use the funds immediately?
    Why did repayments show up in my account the month prior to when they were due?
    Can I contact the borrower if they don’t repay?
    Why hasn't the borrower I supported paid?
    Payment +
    Does Kiva charge a fee when I lend?
    Adding credit +
    How do I add Kiva credit to my account?
    Can I deposit funds into my account and lend them later?
    I live in Singapore. Why can I not pay for my loans using PayPal?
    Have you received my check?
    How do I make a monthly contribution to Kiva?
    Payment options +
    Can I make a loan by paying with a check rather than a credit card?
    Can I make a loan in a currency besides the US dollar?
    Can Kiva accept Bitcoin or other PayPal alternatives?
    Can I pay without using my Kiva credit?
    PayPal +
    Do I have to use PayPal when I checkout?
    How do I update my credit card information?
    I want to use my credit card but am directed to PayPal's site to pay. What do I do?
    I can't lend on Kiva because PayPal doesn't work in my country. What do I do?
    When I pay through PayPal, is PayPal taking a fee?
    How do I contact PayPal for assistance with their website?
    I live in India. Why can I not pay for my loans using PayPal?
    How do I create a PayPal account?
    Why am I not given the option to checkout as a PayPal guest?
    Why did I receive a receipt from PayPal when I used my credit card?
    I can't enter my country details into PayPal's credit card form
    Will my PayPal withdrawals be subject to income tax?
    Payment issues +
    Monthly Good +
    How do I cancel or edit my Monthly Good contribution?
    How does Monthly Good differ from auto deposit?
    What is Monthly Good?
    How do I sign up for Monthly Good?
    Can I choose a specific type or category of loan for my Monthly Good to support?
    When I sign up for Monthly Good, do I get to choose who my funds support?
    How will Kiva decide which loans my Monthly Good supports?
    Will I know who my funds are helping when I sign up for Monthly Good?
    Can I make a Monthly Good contribution on a weekly, quarterly or annual basis?
    What happens to my funds if I cancel Monthly Good?
    Help Center > My account
    My account +

    My account

    Account details +
    Can I combine or merge Kiva accounts?
    How do I close my Kiva account?
    Where do I find the delinquency, default and currency loss rate for my portfolio?
    Account settings +
    How do I unsubscribe from Kiva's email lists or change my email settings?
    How do I change the email address registered with my account?
    How do I change the name associated with my Kiva account?
    How do I view or edit my public lender page?
    How do I upload a new lender picture or update the information on my lender page?
    How can I make my account anonymous?
    How do I change my loan alert settings?
    How do I view or edit my Facebook preferences?
    Balance & activity +
    How do I view my transaction history?
    How can I get a tax receipt for my donations?
    How can I view the loans in my portfolio?
    How do I donate my credit to Kiva?
    Why is there a difference between my total deposits and total amount lent?
    Why don't my estimated repayments accurately represent my outstanding loans?
    Was my transaction successful?
    Can I view a map that shows all countries I've loaned to?
    How can I view my transaction history in Excel?
    Why do I have an odd amount of credit in my account?
    Auto deposit +
    How do I cancel my auto deposit?
    Can I automatically deposit funds into my account each month?
    How do I edit a monthly PayPal subscription to Kiva?
    When I edit my subscription, I get an error that it can't be increased by 20%. What do I do?
    Why was my subscription/automatic deposit suspended?
    Auto lending +
    What is auto-lending?
    How does auto-lending work?
    Can Kiva relend my Kiva credit for me?
    How do I turn off auto-lending?
    How do I turn on auto-lending?
    How do I edit my auto-lending settings?
    Will auto-lending make donations to Kiva when it lends?
    Can I have auto-lending lend more than $25 at a time?
    Withdrawals +
    How do I withdraw my funds?
    Why does it take so long for my withdrawal to complete?
    Can I withdraw funds to my credit card or bank account?
    My loan expired. Why wasn't my money refunded to me?
    Why was my withdrawal blocked?
    How to transfer money from my PayPal account to my bank account?
    Will PayPal charge me a fee to withdraw funds from my Kiva account?
    Kiva Withdrawal Policy
    Why am I getting an error message when requesting a withdrawal?
    Inactivity settings +
    How do I reclaim funds that have been sent to the state?
    What is the automatic withdrawal inactivity setting?
    How do I change my inactivity settings?
    What is inactive credit?
    How do abandoned property laws impact Kiva?
    Help Center > Field Partners
    Field Partners +

    Field Partners

    Field Partner basics +
    What's a Field Partner?
    Can I visit a Field Partner or borrower?
    Can I contact a Field Partner?
    Does Kiva list the religious affiliation of Field Partners?
    Does Kiva work with for-profit or nonprofit Field Partners?
    Why does Kiva have Field Partners?
    Country-specific questions +
    Where they work +
    Why isn't Kiva working in a certain country?
    Why doesn't Kiva work in the European Union?
    Does Kiva work with Roma borrowers?
    India loans +
    Why are repayments not available for 43 months on most India loans?
    What happens to lender funds when they’re held in India?
    Will I know if a borrower in India defaults on his/her loan before the end of the loan term?
    Will Kiva be monitoring Field Partners in India regularly?
    Islamic finance +
    What are "Islamic Finance" or Sharia-compliant Muslim loans?
    How is microfinance in the Muslim world different than microfinance in other parts of the world?
    How much are the fees associated with Muslim world loans?
    One Acre Fund in Kenya +
    What kinds of seeds does One Acre Fund supply to its farmers?
    Strathmore University +
    Why does Kiva work with Strathmore University?
    Risk & due diligence +
    What is a risk rating?
    What type of monitoring does Kiva do with its Field Partners?
    What is borrower verification?
    What is an Experimental Field Partner?
    What is loan diversification?
    Currency exchange loss +
    What does "Partner covers currency loss" mean & how could it affect my Kiva loans?
    Can I make up any currency losses over the entire loan term?
    How will I know if the loan I’ve funded is at risk of currency loss?
    Can I make money if the value of the local currency appreciates relative to the US dollar?
    What does it mean for a partner to cover currency loss?
    Why do some Field Partners decide not to pass on currency loss to Kiva lenders?
    How does Kiva calculate currency exchange rates?
    How will borrowers and Field Partners be affected by currency exchange risk sharing?
    What does it mean for currency to depreciate? Why does depreciation occur?
    How to apply +
    How can my organization become a Field Partner?
    Can I recommend a Field Partner?
    How does Kiva choose its Field Partners?
    Help Center > Getting involved
    Getting involved +

    Getting involved

    Inviting friends +
    Can I contact the borrower?
    How can I invite my friends to Kiva?
    I invited a friend to join Kiva but didn't get credit for the referral. How do I get credit?
    Can I retroactively give someone credit for inviting me to Kiva?
    How can I tell which of my friends have accepted my invitations to Kiva?
    I'm credited with inviting someone to join Kiva. Can I remove this credit?
    Can I delete or hide the invites in my portfolio?
    Lending teams +
    Lending team basics +
    What is a lending team?
    How do I join a lending team?
    How do I set my preferred lending team?
    How do I post to a team message board?
    What are Kiva's community guidelines?
    How do I quit a lending team?
    What are the responsibilities of a team captain?
    How do I find a list of Kiva's lending teams?
    What is a preferred lending team?
    If I quit a lending team do my loans get removed from that team?
    Creating & managing a team +
    How do I create a lending team?
    How do I edit my lending team’s details?
    How do I invite people to my lending team?
    How do I become the captain of a lending team?
    Can I delete a lending team?
    How do I make someone else the captain of my lending team?
    How do I edit team members?
    How can I grow my lending team?
    How do I remove someone from my lending team?
    How do I accept and decline request to join my team?
    How do I know if someone’s accepted my lending team invitation?
    Attributing loans to a team +
    How do I attribute loans to my lending team?
    Can I count old loans to my lending team?
    Can I count my loan towards more than one lending team’s impact?
    Comments & messages +
    How do I comment on a loan update?
    How can I send lender messages?
    How do I view other lenders' profiles on Kiva?
    Will I receive lender messages via email?
    What are lender messages?
    Who can use lender messages?
    Kiva U +
    What is Kiva U?
    I'm researching Kiva. Can you help me with my school project?
    I'm a student interested in promoting Kiva at my school. Can you help?
    How old do you have to be to lend on Kiva? / What's the minimum age to be a Kiva lender?
    How can my classroom lend?
    How many students are involved with Kiva U?
    Other resources +
    I'm having trouble using Kiva's website. Can you help me troubleshoot?
    How can my company partner with Kiva?
    Can you provide me with information for my original academic research project?
    How can I request a Kiva speaker for an event?
    Can I have a copy of Kiva's logo?
    Do you have brochures or promotional materials?
    I want to host an event to raise money for Kiva. Do you have any resources?
    What is Kiva's response to COVID-19?
    How can I help Kiva as a developer?
    How can I find Kiva on social media?
    Help Center > Gifts & promotions
    Gifts & promotions +

    Gifts & promotions

    Kiva Cards +
    Why is the photo upside down on the print-it-yourself Kiva Card?
    Kiva Card basics +
    What are Kiva Cards and how do they work?
    Do Kiva Cards expire?
    My Kiva Card converted into a donation, can you change it back so I can use it for loans?
    How do I know if the recipient has used the Kiva Card?
    Can the Kiva Card recipient select his or her own loans to fund?
    What happens to the funds from a Kiva Card if it isn't redeemed?
    After a Kiva Card is used, are repaid funds deposited back into the purchaser's account or the recipient's account?
    Can Kiva donate or give discounts on Kiva Cards?
    Can I select a loan to fund when I give a Kiva Card?
    Purchasing a Kiva Card +
    How do I purchase a Kiva Card?
    How do I purchase more than one Kiva Card?
    How do I purchase a Kiva Card using Kiva credit?
    Why didn't I receive a confirmation email for my Kiva Card purchase?
    How do I purchase Kiva Cards totaling more than $2,000?
    Printing & delivery +
    How do I print or view the Kiva Cards I purchased?
    Can I change the recipient information or delivery method of a Kiva Card after it's been purchased?
    Where is my Kiva Card?
    Does Kiva mail physical Kiva Cards to recipients?
    What do I do if I can't view or print the PDF version of my Kiva Card?
    Why did you send a reminder email about my unredeemed Kiva Card?
    Why does my PayPal receipt say that my Kiva Card will be shipped?
    Can I purchase a Kiva Card without emailing it to the recipient right away?
    Redeeming a Kiva Card +
    How do I redeem a Kiva Card?
    How do I redeem multiple Kiva Cards?
    Can you convert my Kiva Card to a donation to Kiva's operating expenses?
    Can you put my Kiva Card toward a loan for me?
    Where can I find my gift code?
    Kiva Store +
    I have a question about the Kiva Store or my order. Who do I contact?
    What is the Kiva Store?
    Can I use my Kiva credit to purchase items on the Kiva Store?
    Who runs the Kiva Store?
    How do I get my products in the Kiva Store?
    What forms of payment are accepted at the Kiva Store?
    How much of my Kiva Store purchase goes to Kiva?
    What is the Kiva Store return policy?
    Free credit +
    How do I redeem free credit I've earned?
    How does my free credit differ from Kiva credit?
    Why wasn't my free credit returned to me when my loan expired?
    What loans can I make with my free credit?
    How is free credit funded?
    What happens if my free credit expires without being used?
    What happens if I use free credit to fund a loan that expires?
    Loan matching +
    How can I confirm if my loan was matched?
    What is loan matching?
    What would cause my loan not to be matched?
    Can I match loans on Kiva?
    Will I receive the repayments on matched loans?
    Can I see who's matching my loan?
    Other gifts +
    Can I lend or donate in someone's memory?
    Can Kiva complete my matching request?
    Can I buy a product made by the borrower I lend to?
    Can I purchase Kiva branded gear?
    Campaign solutions +
    Help Center > Loans
    Loans +

    Loans

    Loan types +
    What can fundraise +
    Why does Kiva allow loans to be posted when they're for non-sustainable farming methods?
    Does Kiva prohibit certain businesses from fundraising on Kiva?
    Why does Kiva allow loans for purposes other than business?
    Who can get a Kiva loan?
    Can a borrower take out 2 loans at once?
    Why does Kiva post loans for coal-related and other environmentally unfriendly activities?
    Why are some loan amounts so high?
    Why does Kiva allow Field Partners to post larger loans?
    Why do some Field Partners post group loans?
    What are vulnerable group loans?
    What kinds of businesses does Kiva support with larger loans?
    Definitions +
    What are green loans?
    What are Islamic finance loans?
    What are higher education loans?
    What are start-up loans?
    What are water and sanitation loans?
    What are disaster recovery loans?
    What are youth loans?
    What are fair trade loans?
    What are rural exclusion loans?
    What are mobile technology loans?
    What are innovative loan product loans?
    What are underfunded area loans?
    Loan disbursal +
    If my loan is pre-disbursed, is the money I lend on Kiva going to support the borrower I choose?
    What is the disbursed date?
    Why is the disbursal date in the past?
    Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?
    Interest rates +
    Why are your Lending Partners' interest rates so high?
    Does Kiva charge interest?
    How does Kiva ensure its Field Partners are offering fair and appropriate interest rates?
    How does Kiva ensure that loans aren't over-indebting borrowers?
    Do Kiva borrowers pay any interest on their loans?
    Why do your Field Partners in Mexico have such a high cost to borrowers?
    Why are interest rates in post-conflict areas so high?
    Can I pay extra fees on a loan so that the borrower is not charged interest?
    Delinquency & default +
    What does it mean that my loan is delinquent?
    What happens if a loan defaults?
    How can I find out which loans in my portfolio are delinquent or defaulted?
    How does Kiva define default?
    If my loan defaults, can I then claim it as a tax-deductible donation?
    Can partners cover borrower default?
    Why is this loan listed as anonymous?
    How to apply +
    How do I get a loan?
    I live in the U.S., how do I get a loan?
    I know someone who needs a loan. How do they apply?
    Help Center > Kiva U.S.
    Kiva U.S. +

    Kiva U.S.

    Direct lending basics +
    What is Kiva U.S.?
    How does the private fundraising period work?
    What is the private fundraising period?
    Why does Kiva lend funds to borrowers in the United States?
    Trustees +
    How do I become a Trustee?
    What is a Trustee?
    What does a Trustee being "paused" mean?
    What are the qualifications to become a Trustee?
    Can I contact the Trustee?
    Can a Trustee cover a borrower's default?
    What financial involvement do Trustees have in the loan?
    Do all direct loans have Trustees?
    How does Kiva U.S. screen Trustees?
    What happens to the Trustee if a borrower they endorsed doesn't pay back a loan?
    Social underwriting & risk +
    How does Kiva U.S. manage delinquent loans?
    What is the due diligence process for Kiva U.S. loans?
    What are the risks involved with lending to direct loans?
    What is social underwriting?
    Why does Kiva US require borrowers to invite their own lenders?
    Borrowers +
    Why was my loan application rejected? Or why was I not approved for a loan?
    How do I apply for a Kiva U.S. loan?
    How does loan matching work?
    If my loan expires, what happens to the lenders' contributions?
    What guidelines are there for borrowers’ loan photos?
    How do I make a payment on my loan?
    Can I pay another way other than PayPal?
    Why isn't PayPal accepting my lender's credit card?
    How do I communicate with my Kiva lenders?
    Can I see how much each of my lenders contributed and their contact information?
    What interest rate does Kiva U.S. charge?
    What happens if my loan doesn't fully fund during public fundraising?
    How does my Trustee endorse my loan?
    What are the loan terms for U.S. loans?
    Do I qualify?
    I made a payment several days ago. Why isn't it showing up?
    How long do I have to fundraise on Kiva?
    How do borrowers use their loan?
    What is social underwriting and why is it a requirement to get a Kiva U.S. loan?
    Can I make payments early?
    What guidelines are there for fundraising?
    How do I engage my network during the Private Fundraising Period?