Borrowers
An overview of the Kiva US borrower process.
The Kiva US Borrower Process
Apply for a Loan
Take 30 minutes - 1 hour to complete your application here.
This is the journey of a Kiva US borrower. Click the photos/links below to learn more about each step!
Await Review
Kiva US conducts social underwriting and a holistic review of diverse criteria.
Kiva Fundraising
Get support from your own network as well as Kiva lenders around the world.
Await Disbursal
Complete fundraising and receive all funds in your PayPal account within 7 business days.
Repaying your Loan
1 month after receiving your loan, start repaying your lender community.
Repeat!
After repaying, apply for another (and potentially larger) loan!
✓ Fundraising a microLOAN (your lenders will get repaid – you will make the 1st repayment to your lenders exactly 1 month after receiving the loan & each month following).
✓ All or nothing (aka, you must complete the 2 stages of Kiva fundraising — private & public fundraising — and fully fund in order to receive your loan
✓ Engaging your network to gain fundraising momentum
— make sure you spread the word, share your custom loan campaign link, and reference some great resources and templates available on our site!
What crowdfunding a loan with Kiva IS:
✕ Asking for donations
✕ Receiving part of the loan if you don’t raise 100% of the loan during the fundraising period.
✕ Sitting back and waiting for your loan to fund.