Welcome Kiva User! Kiva Zip is different from Kiva in some important ways. Learn More.
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Become a Borrower

Introduction

Kiva Zip is a website that enables individual lenders around the world to ‘crowd fund’ interest-free loans directly to small business owners and entrepreneurs in the US and Kenya. The three primary objectives for this program are to:

  1. Expand borrowers’ access to capital, by making loans to people who may not qualify for conventional loans
  2. Lower the financial costs of borrowers by leveraging new technologies
  3. Develop personal connections between Kiva Zip lenders and borrowers by enabling them to communicate on the Zip website

As a borrower on Kiva Zip you will have the opportunity to raise interest free capital and access a community of lenders who can serve as brand ambassadors and potential customers for your business.

Where are you?

Kiva Zip in the US

  • The maximum amount of your first Kiva Zip loan can be up to $5,000
  • The payback period can be anywhere from 10-24 months. You can repay the loan in weekly or monthly installments
  • The interest rate is 0%, and there are no hidden fees
  • Upon the successful repayment of your loan, you can qualify for a loan up to $10,000
  • Loans are disbursed, and repayments collected, electronically via PayPal

Borrower criteria

  • People with strong businesses or business plans
  • People with strong character and an entrepreneurial spirit
  • Can not currently be in foreclosure or bankruptcy proceedings
  • Not heavily indebted -- monthly debt payments-to-income ratio less than 35%, and $0 of overdue debt (except for up to $3,000 of overdue medical debt)
  • Low or moderate income individuals (no millionaires!)

To learn more, please visit our borrower resource center.

Kiva Zip in Kenya

  • The maximum amount of your first Kiva Zip loan can be up to 10,000 KSh
  • The payback period for your first loan will be 2-3 months
  • You can repay the loan in weekly or monthly installments
  • The interest rate is 0%. There are no hidden fees
  • If you pay back in full and on time you will be able to access larger loans and more flexible loan terms (for more information on Credit Ladders see our FAQ)
  • Loans are disbursed, and repayments collected, via M-PESA

What Now? Find out more about Kiva Zip!

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Are you interested?

Please fill in your information below and we'll contact you!


We're sorry, Kiva Zip loans are currently only available in the US and Kenya.
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