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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?
    What do “Average Cost to Borrower” and “MPR” mean?
    Average cost to borrower (MPR)
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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?
    How can I register for a Kiva account using Facebook?
    Why do I get an error message when I try to register?
    How do I create a new account using my Apple ID and the “Hide My Email” feature?
    Signing in +
    I forgot my password. How do I change it?
    Do I have to sign in with Facebook?
    Why can't I sign into my account?
    How can I sign into my existing account with Facebook?
    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 the credit in my account?
    Do I have to donate to Kiva's operating expenses?
    How do I lend on Kiva?
    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?
    Will my loans be repaid?
    How does a group loan work?
    How are the borrowers chosen?
    What percentage of my loan goes to the borrower?
    What does "XX Days Left" mean on a loan?
    Do I need to report my loans to the IRS on my tax return?
    How often are new loans posted to Kiva?
    How are loans facilitated?
    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?
    How do I add a loan tag?
    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 you delete a loan tag?
    Can I search for loans by Field Partner?
    Can I filter loans by Average Cost to Borrower or ROA?
    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 Field Partners or borrowers in country X?
    Why are there no loans matching my area of interest?
    Why are there no women education loans funding now?
    Why are there no India loans available?
    Why are there so few green loans available?
    Why are there so few education loans fundraising?
    Why are there so few women borrowers fundraising on Kiva right now?
    Updates & repayments +
    Updates +
    Will I receive updates about the borrowers I have supported?
    Why didn't I receive an update on why my loan is delinquent?
    I received a journal update with an incorrect translation/untranslated. Can you translate it?
    Repayments +
    Can I forgive a loan or request that a borrower not have to repay?
    How will I receive repayments?
    Why didn't I receive repayments on a loan made using free credit?
    Repayment email: why does the repayment email not match my available Kiva 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?
    Does Kiva guarantee that loans will be repaid?
    What happens if a borrower can’t repay the loan?
    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?
    Why isn't PayPal accepting my credit card? / Payment denied
    I want to use my credit card but am directed to PayPal's site to pay. What do I do?
    How do I update my credit card information?
    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?
    Why am I not given the option to checkout as a PayPal guest?
    How do I create a PayPal account?
    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
    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?
    When I sign up for Monthly Good, do I get to choose who my funds support?
    Can I choose a specific type or category of loan for my Monthly Good to support?
    How will Kiva decide which loans my Monthly Good supports?
    Can I make a Monthly Good contribution on a weekly, quarterly or annual basis?
    Will I know who my funds are helping when I sign up for Monthly Good?
    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?
    Can I view a map that shows all countries I've loaned to?
    Was my transaction successful?
    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?
    How do I edit a monthly PayPal subscription to Kiva?
    Can I automatically deposit funds into my account each month?
    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?
    Can Kiva relend my Kiva credit for me?
    How does auto-lending work?
    How do I turn on auto-lending?
    How do I set preferences for loans made through auto-lending?
    Why is auto-lending not making loans according to my preferences? WEBBUG-2724
    How do I turn off auto-lending?
    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?
    Will PayPal charge me a fee to withdraw funds from my Kiva account?
    How to transfer money from my PayPal account to my bank 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?
    How will I know if the loan I’ve funded is at risk of currency loss?
    Can I make up any currency losses over the entire loan term?
    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?
    How will borrowers and Field Partners be affected by currency exchange risk sharing?
    Why do some Field Partners decide not to pass on currency loss to Kiva lenders?
    How does Kiva calculate currency exchange rates?
    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?
    Can I delete or hide the invites in my portfolio?
    I'm credited with inviting someone to join Kiva. Can I remove this credit?
    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?
    How do I quit a lending team?
    What are Kiva's community guidelines?
    What are the responsibilities of a team captain?
    How do I find a list of Kiva's lending teams?
    If I quit a lending team do my loans get removed from that team?
    What is a preferred lending 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 do I view other lenders' profiles on Kiva?
    How can I send lender messages?
    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?
    Can underage persons or children become lenders on Kiva?
    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?
    How can I request a Kiva speaker for an event?
    Can you provide me with information for my original academic research project?
    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?
    How can I find Kiva on social media?
    How can I help Kiva as a developer?
    What is Kiva's response to COVID-19?
    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?
    Can Kiva donate or give discounts on Kiva Cards?
    After a Kiva Card is used, are repaid funds deposited back into the purchaser's account or the recipient's account?
    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?
    Why didn't I receive a confirmation email for my Kiva Card purchase?
    How do I purchase a Kiva Card using Kiva credit?
    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?
    If I order a Kiva Card to be mailed to me, how long should it take?
    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 put my Kiva Card toward a loan for me?
    Where can I find my gift code?
    Can you convert my Kiva Card to a donation to Kiva's operating expenses?
    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?
    What forms of payment are accepted at the Kiva Store?
    How do I get my products in 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?
    Can I see who's matching my loan?
    Will I receive the repayments on matched loans?
    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?
    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?
    Why does Kiva post loans for coal-related and other environmentally unfriendly activities?
    Can a borrower take out 2 loans at once?
    Why are some loan amounts so high?
    Why do some Field Partners post group loans?
    What are vulnerable group loans?
    Why does Kiva allow Field Partners to post larger 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 water and sanitation loans?
    What are disaster recovery loans?
    What are start-up 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 Field 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 are interest rates in post-conflict areas so high?
    Why do your Field Partners in Mexico have such a high cost to borrowers?
    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 does Kiva define default?
    How can I find out which loans in my portfolio are delinquent or defaulted?
    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 know someone who needs a loan. How do they apply?
    I live in the U.S., how do I get a loan?
    Help Center > Kiva U.S.
    Kiva U.S. +

    Kiva U.S.

    Direct lending basics +
    What is Kiva U.S.?
    Why are all direct loans in the United States?
    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?
    Borrower: What is a Trustee?
    What does a Trustee being "paused" mean?
    Can I contact the Trustee?
    Can a Trustee cover a borrower's default?
    What are the qualifications to become a Trustee?
    What financial involvement do Trustees have in the loan?
    What happens to the Trustee if a borrower they endorsed doesn't pay back a loan?
    Do all direct loans have Trustees?
    How does Kiva U.S. screen Trustees?
    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 +
    How does loan matching work?
    If my loan expires, what happens to the lenders' contributions?
    How do I apply for a Kiva U.S. loan?
    Can I pay another way other than PayPal?
    What interest rate does Kiva U.S. charge?
    Why was my loan application rejected? Or why was I not approved for a loan?
    How does my Trustee endorse my loan?
    What are the loan terms for U.S. loans?
    Can I see how much each of my lenders contributed and their contact information?
    What is social underwriting and why is it a requirement to get a Kiva U.S. loan?
    What guidelines are there for borrowers’ loan photos?
    How long do I have to fundraise on Kiva?
    Does Kiva report on my credit score?
    How do I make a payment on my loan?
    Why isn't PayPal accepting my lender's credit card?
    How do borrowers use their loan?
    What happens if I don't reach my required number of lenders during the private fundraising period?
    I made a payment several days ago. Why isn't it showing up?
    Why is my loan amount raised fluctuating?
    How do I communicate with my Kiva lenders?
    Can lenders contribute to my campaign offline?
    Do I qualify?
    What happens if my loan doesn't fully fund during public fundraising?
    How can I increase my fundraising speed?
    What guidelines are there for fundraising?
    Can I make payments early?
    What should I do if my payment is going to be late?
    What resources can Kiva U.S. borrowers take advantage of?
    How do I engage my network during the Private Fundraising Period?
    Help Center > Mobile app
    Mobile app +

    Mobile app

    Registration & sign In +
    How do I sign into Kiva using my Apple ID?
    Using Kiva's app +
    Is the mobile app available in my country?