A loan helped to improve the quality of life and the livability of his home by helping him purchase a new air conditioning unit.

Ernest's story

Ernest is a proud United States Army Veteran and devoted father. He currently lives in a very modest home as he is a very simple man and likes to live within his means. He shares his home with his daughter and grandchildren who he helps care for and to whom he dedicates much of his time.

Ernest is very prudent with managing his fixed income and has always tried to keep up his home without relying on credit, however, due to the unusually hot summer this year, his 22-year-old air conditioning unit finally gave out and he will need financing to replace the unit as he does not have the upfront cash to make this investment.

While seeking out affordable financing, the temperature inside Ernest’s home has risen above the 90+ degree temperature that’s experienced outdoors during the day. The humidity and heat is not only unbearable, but is also taking a toll on his health.

Due to Ernest rarely utilizing credit for purchases, he has little credit history and therefore cannot access low interest loans from traditional financing sources such as banks and stores. Ernest is hoping that SELF and Kiva can help him access affordable financing to be able to replace his old air conditioner and to help him improve the quality of life and the livability of his home for himself and his family.

Loan details

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Loan details