Kiva US Loan Application: Minimum Eligibility


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The Kiva U.S. team will be offline from December 20, 2024 until January 3, 2025. If you want your application to be reviewed in 2024, please plan to submit your complete application by December 6, 2024. The more complete and accurate your application, the more likely we can review it prior to the holiday closure.
See tips on improving the quality of your Kiva U.S. loan application.

Thank you! 
Your Personal Information

Please enter your legal name here, we will ask for your preferred name later.





Kiva cannot lend to individuals who are currently in bankruptcy.

Kiva cannot lend to individuals with a violent or financial criminal conviction in the past 5 years.
Your Business Information

Please enter registered or legal name of business, we will ask for your trade or fictitious name later.






Your business and loan use abide by the following principles:




Your Kiva Loan Information


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Please note that your exact loan amount will be determined upon further review of the information provided in this application.



Referral Source





If you were provided with an Invite Code, please enter it here.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. As a Special Purpose Credit Program, Kiva is permitted to request and consider information that other lenders ordinarily are not permitted to request and consider, such as race and sex. The Federal agency that administers compliance with this law is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580. If Kiva does not approve your application in the amount requested, you may request a statement of the reasons for denial within 60 days of receipt of your notice of denial, by contacting the Kiva US program at borrowers@kiva.org, (828) 479-5482, or 986 Mission St., 4th Floor, San Francisco, CA 94103.
Yay! It seems like you meet our minimum eligibility requirements and already have an ongoing application.

You can continue your application here: https://www.kiva.org/my/borrower/application.
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