FAQs about the repayment process

Repayments make up the final step in your Kiva journey. To guide you through this process, we've compiled all the information you need to know below.

How do repayments on Kiva work?

Loan repayments begin one month after you receive the funds.  If you’re a farmer, you can request a grace period of up to six months during the application period.

All payments are made through PayPal.  A few days before each of your payments is due, you’ll receive an invoice from Kiva with a link to make the payment.  You can always make a payment early or pay off a lump sum by logging directly into PayPal and sending the funds to Kiva.  Follow these instructions:

  1. Log into your PayPal Account
  2. Select "Send & Request" at the top of the page
  3. Select "Send to friends and family in the US"
  4. Send your payment amount to paypalzip@kiva.org
  5. Click "Send" and you're done!

If you have any trouble with your PayPal account, you can reach out to Scott Riley at sjriley@paypal.com for technical support.

Do my payments affect my business credit score?

Yes, Kiva U.S. now reports to business credit. 

That means that by paying back your Kiva loan on time, you will create a business credit record that might encourage other lenders to make you a loan in the future. If you do not pay back your Kiva loan on time however, you will damage your business credit, which may make it harder to get another loan in the future. 

This only applies to certain borrowers who began an application after December 14th, 2015; to find out if you qualify for business credit reporting, check your borrower contract or send us an email at borrowers@kiva.org.

What should I do if one of my payments is going to be late?

If for any reason your payment is going to be made late, it’s most important that you notify both your lenders and the Kiva team. 

As your lenders contributed to your loan financially and believed in your business, it’s important that you keep them updated on the highs and lows of running your business through the conversations tab.

Maintaining contact with the Kiva team about late repayments helps you maintain good standing with Kiva and your lenders and access larger forms of capital for your business later on.

Have any questions about repaying your Kiva loan?  Reach out to us at borrowers@kiva.org!

About the author

Adam Kirk

I'm from a town in Washington State known for it's bike racks and hops (Yakima), and coincidentally, I love to mountain bike and discover new delicious beers. I went to undergrad in Vancouver, BC (UBC) and grad school in Monterey, CA (MIIS). I was in the Peace Corps in Albania from 2010-2012, where I met my wife and learned that you need to boil milk before you drink it. I moved to the Bay Area in 2012 and call Oakland my home. I've worked in digital marketing and product management for the past five years, which has given me an outlet for tinkering and learning new things.