The journey of a Kiva loan

A borrower applies for a loan.

The loan goes through the underwriting and approval process.

Loan disbursal period

The loan is posted to Kiva for lenders to support.

Fundraising period:

Lenders crowdfund the loan in increments of $25 or more.

Fundraising complete!

Borrower repays the loan.

Lenders use repayments to fund new loans, donate or withdraw the money.

Frequently asked questions

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