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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 +
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    What do “Average Cost to Borrower” and “MPR” 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 have to create a Kiva account in order to redeem a Kiva Card?
    Do I need to create a Kiva account to make a loan?
    Why do I get an error message when I try to register?
    How can I register for a Kiva account using Facebook?
    Signing in +
    I forgot my password. How do I change it?
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    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 make a loan 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?
    How does a group loan work?
    Will my loans be repaid?
    How are the borrowers chosen?
    What percentage of my loan goes to the borrower?
    What does "XX Days Left" mean on a loan?
    How often are new loans posted to Kiva?
    Do I need to report my loans to the IRS on my tax return?
    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?
    I want to share my loans on my group's Facebook page. How do I do this?
    Why does sharing my loans on Facebook require so many permissions?
    Searching & filtering +
    Why can't I find the loan I previously selected?
    How do I add a loan tag?
    Loan details +
    Why is the loan listed for a woman when the description says the it's for her husband?
    Why do the loan descriptions from certain Field Partners seem so similar?
    Why does the group loan only list information about 1 borrower?
    Why is a man pictured if the loan says it's for a woman?
    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?
    Can I filter loans by Average Cost to Borrower or ROA?
    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?
    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 India loans available?
    Why are there no women education loans funding now?
    Why are there so few green loans available?
    Why are there so few women borrowers fundraising on Kiva right now?
    Why are there so few education loans fundraising?
    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. Can you translate it?
    Repayments +
    Can I forgive a loan or request that a borrower not have to repay?
    Repayment email: why does the repayment email not match my available Kiva credit?
    Why didn't I receive repayments on a loan made using free credit?
    How will I receive repayments?
    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?
    I live in Singapore. Why can I not pay for my loans using PayPal?
    Can I deposit funds into my account and lend them later?
    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?
    I want to use my credit card but am directed to PayPal's site to pay. What do I do?
    Why isn't PayPal accepting my credit card? / Payment denied
    How do I contact PayPal for assistance with their website?
    How do I update my credit card information?
    When I pay through PayPal, is PayPal taking a fee?
    I can't lend on Kiva because PayPal doesn't work in my country. What do I do?
    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?
    What is Monthly Good?
    How does Monthly Good differ from auto deposit?
    When I sign up for Monthly Good, do I get to choose who my funds support?
    How do I sign up for Monthly Good?
    How will Kiva decide which loans my Monthly Good supports?
    Can I choose a specific type or category of loan for my Monthly Good to support?
    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?
    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?
    How do I edit a monthly PayPal subscription to Kiva?
    Can I automatically deposit funds into my account each month?
    Why was my subscription/automatic deposit suspended?
    When I edit my subscription, I get an error that it can't be increased by 20%. What do I do?
    Auto lending +
    What is auto lending?
    Can Kiva relend my Kiva credit for me?
    How do I turn on auto-lending?
    How does auto lending work?
    How do I set preferences for loans made through auto lending?
    How do I turn off auto lending?
    Why is auto lending not making loans according to my preferences? WEBBUG-2724
    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 funds from my Kiva account back into my PayPal account?
    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 is currency exchange loss & 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 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?
    Can I make up any currency losses over the entire loan term?
    How does Kiva calculate currency exchange rates?
    Why do some Field Partners decide not to pass on currency loss to Kiva lenders?
    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?
    I'm credited with inviting someone to join Kiva. Can I remove this credit?
    Can I delete or hide the invites in my portfolio?
    How can I tell which of my friends have accepted my invitations to Kiva?
    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?
    What is a preferred lending team?
    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?
    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?
    How do I make someone else the captain of my lending team?
    Can I delete a lending team?
    How do I remove someone from my lending team?
    How can I grow my lending team?
    How do I edit team members?
    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?
    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?
    After a Kiva Card is used, are repaid funds deposited back into the purchaser's account or the recipient's account?
    What happens to the funds from a Kiva Card if it isn't redeemed?
    Can Kiva donate or give discounts on Kiva Cards?
    Can the Kiva Card recipient select his or her own loans to fund?
    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?
    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 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?
    How do I get my products in the Kiva Store?
    What forms of payment are accepted at the Kiva Store?
    Who runs 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?
    What happens if my free credit expires without being used?
    How is free credit funded?
    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?
    Who can get a Kiva loan?
    Why does Kiva allow loans for purposes other than business?
    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?
    Why does Kiva allow Field Partners to post larger 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 disaster recovery loans?
    What are water and sanitation loans?
    What are start-up loans?
    What are fair trade loans?
    What are youth 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 that loans aren't over-indebting borrowers?
    How does Kiva ensure its Field Partners are offering fair and appropriate interest rates?
    Do Kiva borrowers pay any interest on their loans?
    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?
    Why do your Field Partners in Mexico have such a high cost to borrowers?
    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?
    Do all direct loans have Trustees?
    How does Kiva U.S. screen Trustees?
    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?
    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?
    How do I apply for a Kiva U.S. loan?
    If my loan expires, what happens to the lenders' contributions?
    Can I pay another way other than PayPal?
    Why was my loan application rejected? Or why was I not approved for a loan?
    How do I communicate with my Kiva lenders?
    What interest rate does Kiva U.S. charge?
    Why isn't PayPal accepting my lender's credit card?
    How does my Trustee endorse my loan?
    Does Kiva report on my credit score?
    Why is my loan amount raised fluctuating?
    Can I see how much each of my lenders contributed and their contact information?
    What are the loan terms for U.S. loans?
    What is social underwriting and why is it a requirement to get a Kiva U.S. loan?
    How do borrowers use their loan?
    What resources can Kiva U.S. borrowers take advantage of?
    What guidelines are there for borrowers’ loan photos?
    How long do I have to fundraise on Kiva?
    What happens if my loan doesn't fully fund during public fundraising?
    What happens if I don't reach my required number of lenders during the private fundraising period?
    How can I increase my fundraising speed?
    What guidelines are there for fundraising?
    I made a payment several days ago. Why isn't it showing up?
    Can I make payments early?
    What should I do if my payment is going to be late?
    How do I make a payment on my loan?
    How do I engage my network during the Private Fundraising Period?
    Can lenders contribute to my campaign offline?
    Do I qualify?
    Help Center > Withdrawals

    How do I withdraw funds from my Kiva account back into my PayPal account?

    To request to withdraw funds from Kiva, please go to: kiva.org/withdraw

    On this page, enter the amount you want to withdraw and the email address associated with your PayPal account (you will need to enter this email twice), then follow the prompts.

    We'll process your request and the funds should be deposited into your PayPal account within 1-2 weeks. Kiva isn't able to deposit funds directly into a personal bank account, but from PayPal you can transfer funds to your bank. 





    Help Center > How to apply

    How do I get a loan?

    Kiva is not a bank or microfinance institution, which means that most of the loans fundraising on our website were not provided by Kiva directly. Because we know that finding the right loan can be a challenging process here are a few options to consider:

    If you’re an entrepreneur in the U.S. --

    Kiva supports entrepreneurs in the U.S. with interest-free loans which are crowdfunded by lenders across the globe and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000.

    Rather than assessing credit history and financial statements, Kiva U.S. relies on trust networks as a measure of creditworthiness. For that reason, applicants are required to secure initial lenders from within their own network prior to fundraising on Kiva (and sometimes a Trustee as well). To learn more and apply for a loan please visit: borrow.kiva.org

    Questions about applying for a U.S. loan can be sent here: borrowers@kiva.org

    If you live in another country around the world --

    Kiva partners with Field Partners in many countries around the world who may be able to make a loan to you. These loans vary in interest rates, loan amounts and requirements. To apply for a loan through a Field Partner, please contact them directly. A list of Kiva's Field Partners and their contact information can be found at: kiva.org/about/where-kiva-works

    If you can’t find a partner near you please try the MIX Market, which is a great website that collects data on microfinance institutions around the world. Please refer to their website: mixmarket.org

    Please note, MIX Market is an information service and doesn’t provide funding. Also note that Kiva does not have a say in which businesses are selected by our Field Partners. Contact each partner directly for more information on loan requirements and underwriting guidelines.


    Similar FAQs

    I know someone who needs a loan. How do they apply?
    I live in the U.S., how do I get a loan?
    What do “Average Cost to Borrower” and “PY” mean?
    Help Center > Account settings

    How do I unsubscribe from Kiva's email lists or change my email settings?

    You can edit your email preferences with Kiva by signing into your account and going to: kiva.org/settings/email

    Please note that as long as you have a Kiva account, you will receive some emails from Kiva, as we are legally required to send you information about your account status and activity every so often. Otherwise, you can pick and choose which emails you receive. 

    Help Center > Making a loan

    How do I lend the credit in my account?

    To lend your Kiva credit, please follow these steps:

    1. Go to kiva.org/login and sign into your account.
    2. Click "Lend" and find a borrower to support. Then click "Lend $25" to add that loan to your basket.
    3. Add additional loans to your basket or click "Checkout now".
    4. On the basket page you'll see your loans, and be asked to make an optional donation to Kiva. You can edit the suggested donation by clicking the pencil icon next to the amount and changing how much you want to donate ($0 is an option). Click "Update" to save your changes.
    5. You'll see your available Kiva credit automatically deducted from your total at the bottom of the page. Review your transaction and click the blue button at the bottom to confirm your purchase. If your total exceeds the credit in your account, your credit will be deducted from your total first and you will then be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or PayPal account.

    Upon completion of your purchase you will see an order confirmation page as well as receive an emailed receipt.


    Similar FAQs

    How do I make a loan on Kiva?
    How do I purchase a Kiva Card using Kiva credit?
    Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?
    Help Center > Other resources

    I'm having trouble using Kiva's website. Can you help me troubleshoot?

    Hopefully some quick browser adjustments will resolve this issue. Here are a few troubleshooting tips which may help:

    -Clearing your browser cache and deleting your cookies
    -Using a private browser or "incognito mode"
    -Using a different browser or upgrading your browser to the most current version
    -Enabling cookies 
    -Changing your browser's security settings to allow Kiva as a trusted site
    -Checking to ensure you don't have any browser plugins (such as ad blockers) that may be conflicting with kiva.org

    If the problem continues, please let us know. 

    Help Center > Balance & activity

    How do I view my transaction history?

    You can see a record of all your transactions on Kiva by clicking "Transaction history" on the left side of your Portfolio page or directly at this link: kiva.org/portfolio/transactions

    This page will allow you to check on all of your past deposits, purchases, repayments or withdrawals.

    Help Center > Making a loan

    Do I have to donate to Kiva's operating expenses?

    Donations to Kiva's operating expenses are always optional, although vital to what we do.

    100% of every dollar lent on Kiva goes toward funding loans and we never take a cut -- instead, we support our operations through donations from our lender community. While a donation is automatically suggested during checkout, you can always opt out on the Basket page by clicking the pencil icon next to the donation amount and then the "No donation to Kiva" link. 

    Help Center > Making a loan

    How do I make a loan on Kiva?

    You can make a loan on Kiva by following these steps:

    1. Go to kiva.org/login and sign into your account or create a Kiva account.
    2. Click "Lend" and find a borrower to support. Then click "Lend $25" to add that loan to your basket.
    3. Add additional loans to your basket or click "Basket" to check out.
    4. On the basket page you'll see your loans, and be asked to make an optional donation to Kiva. You can edit the suggested donation by clicking the pencil icon next to the amount and entering how much you want to donate ($0 is an option). Click "Update" to save your changes.
    5. You'll either see your available Kiva credit automatically deducted from your total (if you have credit), or be directed to PayPal to pay for your purchase, using a credit card or PayPal account. Click the blue button at the bottom of the page to confirm your purchase.

    Upon completion of your purchase you will be directed to an order confirmation page as well as receive an emailed receipt.


    Similar FAQs

    How do I lend the credit in my account?
    How do I purchase a Kiva Card using Kiva credit?
    How do I redeem a Kiva Card?
    Help Center > Lending basics

    What's the difference between a Kiva loan and a donation?

    Lending and donating on Kiva are distinct actions which are easy to confuse.

    To clarify, loans are made to borrowers, while donations are made to our operating expenses. When you lend to a borrower, your loans are not tax-deductible. Our hope is that all Kiva loans will be repaid so you can use your funds to lend again.

    When you make a donation to Kiva, you're helping cover the costs of running the website and allowing our nonprofit to continue providing loans around the world. Donations, unlike loans, are one-time gifts that don't return to you, but are eligible for a tax-deduction in the U.S.

    Please note that when you lend you're also given the opportunity to make a donation to Kiva in addition to your loan. You can also donate to Kiva at any time here: kiva.org/about/supportus


    Similar FAQs

    Why are interest rates in post-conflict areas so high?
    Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?
    Does Kiva earn interest on lenders' funds?
    Help Center > Account details

    Can I combine or merge Kiva accounts?

    At the moment we're unfortunately not able to move loans from one Kiva account to another, or combine 2 accounts. The best ways to combine accounts is to either purchase a Kiva Card, which you can redeem from the account you'd like to lend from going forward, or withdraw your funds and deposit the balance into that account.

    Help Center > How to apply

    How can my organization become a Field Partner?

    The best place to learn about our criteria for Field Partners is on our website here: kiva.org/partners/info

    In order to apply for partnership, an organization must at minimum:

    --Display a strong commitment to serving the needs of poor, vulnerable, and/or excluded populations.
    --Operate an existing lending program with portfolio quality that is in line with market context and industry standards, or be prepared and legally able to set up a lending program.
    --Provide a specific proposal for using Kiva’s capital to fund loans with a) high social or environmental impact, and b) pricing that is in line with market context and industry standards.
    --Be able to post at least $50,000 USD in loans in the first 12 months on the Kiva website, with capacity to grow in subsequent years.
    --Have assets or operating revenues of at least $100,000 USD.
    --Be able to legally accept and repay US Dollar debt capital and manage currency risk.
    --Be legally registered in its country of operation.

    On the above page, there is a Partnership Inquiry Form that can be used to start a conversation with our team. If our field staff is interested in learning more, they will respond and request further documentation. 


    Similar FAQs

    How does Kiva choose its Field Partners?
    Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?
    How does Kiva’s repayment system work?
    Help Center > Redeeming a Kiva Card

    How do I redeem a Kiva Card?

    To use your Kiva Card, go to: kiva.org/redeem

    On this page you'll see a box where you can enter the card's gift code and click "Apply." Once you've entered the code, click the blue "Get Started, Find a Loan" button to find a list of all loans in need of support. When you find a loan that interests you, add it to your basket by clicking the blue "Lend $25" button. When you're ready to checkout click "Basket" at the top of the page. This will begin the checkout process.

    In order to use a Kiva Card you will need to sign up for a Kiva account if you don't already have one. Please also note that if your total exceeds the amount on your Kiva Card, you'll be directed to PayPal to pay for the difference between the total due and the amount of your Kiva Card. Upon completion of your purchase you will be directed to an order confirmation page on Kiva's website. You will also receive an emailed receipt for your purchase.


    Similar FAQs

    How do I purchase a Kiva Card using Kiva credit?
    How do I lend the credit in my account?
    How do I make a loan on Kiva?
    Help Center > Repayments

    Can I forgive a loan or request that a borrower not have to repay?

    While offers to forgive loans are very generous, Kiva's lending process is designed to accommodate loans and not donations. This means that all funding requests posted to Kiva are considered loans, and there unfortunately isn't a way to request that a borrower not repay your portion of the loan they received. 

    Our hope is that once you've been repaid you'll recycle your credit to make even more loans on Kiva -- helping reach even more borrowers around the world.


    Similar FAQs

    Can I donate funds instead of lending funds to a borrower?
    Help Center > Lending amounts

    Can I lend less than $25?

    At Kiva, we divide loans into $25 amounts.  For this reason, the minimum amount that you can contribute to a loan is $25. 
    You can still make a loan if you have less than $25 of Kiva credit in your account. When you select a loan to support and proceed through the check out process, we'll automatically deduct the Kiva credit in your account from the amount of your purchase. You can then pay for the remainder of your loan with funds from a credit card or PayPal account.

    Help Center > Auto lending

    What is auto lending?

    Auto lending is a feature that ensures your Kiva credit is always being put to use. When you turn on auto lending, our system automatically recycles your available credit whenever the balance reaches $25. Loans made through auto lending are triggered by another Kiva lender making a loan to a borrower that matches your preferences, so people are still the driving force behind the loans being made.

    To turn on auto lending, please sign into your Kiva account and go to: kiva.org/settings/credit

    Click "Automatically lend my Kiva credit" at the bottom and use the options provided to select your preferences. Once you do, click the "Save auto lending settings" button to enable auto lending.


    Similar FAQs

    Can Kiva relend my Kiva credit for me?
    What do “Average Cost to Borrower” and “APR” mean?
    How does auto lending work?
    Help Center > Purchasing a Kiva Card

    How do I purchase a Kiva Card?

    You can purchase a Kiva Card by going to: kiva.org/gifts/kiva-cards

    On this page select the delivery method, value and quantity of the Kiva Cards you want to buy. Once you've done that and agreed to the terms and conditions, including the 12 month lending period, add the card to your basket by clicking "Add to Basket" or "Add to Basket and Checkout". To begin the checkout process click "Basket" at the top of the page.

    Upon completion of your purchase, you'll be directed to an order confirmation page and also receive an emailed receipt. You can view and/or print the Kiva Cards you've purchased at any time by signing into your Kiva account and going to: kiva.org/portfolio/kiva-cards






    Similar FAQs

    How do I purchase a Kiva Card using Kiva credit?
    How do I redeem a Kiva Card?
    Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?
    Help Center > Payment options

    Can I make a loan by paying with a check rather than a credit card?

    If you're unable to use PayPal you're welcome to add credit to your Kiva account via check. To do so, please follow these steps:

    1. Create a Kiva account if you don't already have one.
    2. Write your check payable to "Kiva User Funds LLC"
    3. To ensure the funds are deposited into the correct account, please write the email address associated with your Kiva account on the back of the check. 

    Note how much you'd like to be credited to your account for lending, as well as how much should be donated to Kiva's operating expenses should you wish to donate (we typically suggest a donation of 5-10% to help cover the administrative costs associated with check processing).

    4. Mail the check to:

    Kiva User Funds LLC
    Attn: Finance Department
    875 Howard Street, Suite 340
    San Francisco, CA 94103 

    Once your check has been processed (which can take a few weeks) we'll credit your account and notify you by email. You can then sign into your Kiva account and use the credit