How Kiva Works

The Story of a Kiva Loan

Watch Kiva work through the story of Pedro, a farmer who receives a Kiva loan and transforms his life.

How to Use Kiva

1Choose a borrower 

Read through hundreds of borrower stories of people looking for loans to grow businesses, go to school, switch to clean energy and more. Find someone who connects with you. More >>

2Make a loan

Click 'Lend' to make a loan to the borrower of your choice. All Kiva loans are disbursed by our Field Partners who vet and work closely with each borrower. Learn More >>

3Get repaid

Get updates as the borrowers you support succeed and repay their loans. You'll see these dollars return to your Kiva account.


When borrowers repay, you can use that money to empower another person by supporting a new loan! You can also choose to donate the money to Kiva or withdraw it. 

Get Started

Want more info about using Kiva? Please visit the Help Center

Find a loan