Kiva crowdfunds loans and unlocks capital for the underserved, improving the quality and cost of financial services, and addressing the underlying barriers to financial access around the world.
Through Kiva's work, students can pay for tuition, women can start businesses, farmers are able to invest in equipment and families can afford needed emergency care.
How it works:
A borrower applies for a loan
The loan goes through the underwriting and approval process
Partner loans are facilitated by local nonprofits or lending institutions, which approve the borrower’s loan request. Kiva does due diligence and ongoing monitoring for each of these Field Partners.
Then Loan is disbursed (Lenders crowdfund the loan in increments of $25 or more.)
Contact them by filling out their online form on their website
Find out if you're prequalified, then easily fill out our online application
Application takes 20 minutes.
Prove your creditworthiness by inviting friends and family to lend to you, this can take up to 15 days .
Go public on Kiva, with your loan visible to over 1.6 million lenders worldwide.
Build your customer base by repaying your Kiva loan. (You have up to 36 months to pay back the loan)
Kiva serves borrowers in more than 80 countries on 5 continents. We’re headquartered in San Francisco, with offices in Nairobi and staff stationed around the world. We also have incredible volunteer fellows working in the field throughout the year.
In addition to all these dedicated Kivans, we would not be able to reach so many communities and scale our impact without the extensive network of Field Partners and Trustees who help connect us with borrowers"
Yes, most borrowers on Kiva do pay interest to Kiva’s local Field Partners in some form.
Field Partners collect interest from borrowers because there are many expenses associated with providing small loans in developing markets, especially in rural areas. Many of Kiva’s Field Partners also provide additional services with loans, including training, financial literacy classes or health services.
Kiva loan enables someone to grow a business and create opportunity for themselves, it creates opportunities for others as well.
That ripple effect can shape the future for a family or an entire community. Whether you lend to friends in your community, or people halfway around the world (and for many, it’s both), Kiva creates the opportunity to play a special part in someone else's story. At Kiva, loans aren’t just about money—they’re a way to create connection and relationships.