Behind every Kiva loan is careful oversight to ensure your money reaches the people and causes you care about. Due diligence at Kiva is a promise—to borrowers building a better future and to lenders who support them.
Our repayment rates prove we keep our promise
96.3%
Repayment rate for all loans
97.1%
Repayment rate for partner-facilitated loans
72.8%
Repayment rate for direct U.S. loans
0.6%
Currency exchange loss rate
Understanding the risks of lending on Kiva
Microloans help bring financial access to underserved communities, but like any loan, they come with risks. When lending through Kiva, it’s important to understand the risks associated with different loan types.

Types of loans
Partner-Facilitated Loans
Kiva loans are mostly facilitated by our trusted network of local Lending Partners across more than 80 countries. These partners help identify borrowers, administer loans, and provide support.
Direct Loans
In the U.S., most Kiva loans are direct, meaning they're not facilitated by a Lending Partner. Kiva works directly with borrowers to provide access to capital.
Different types of risks
Kiva values transparency as much as impact. While we do everything possible to support successful repayments, all loans carry some level of risk.
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