Kiva Review 2025
World's first online microfinance platform with $25 minimum and 96.3% repayment rate.
What is Kiva?
Kiva is a nonprofit microfinance platform that has facilitated over $1.68 billion in loans to 4.1 million borrowers across 77 countries since 2005. With 1.9 million lenders worldwide and a 96.3% repayment rate, Kiva focuses on social impact rather than financial returns.
Founded in 2005, Kiva has established itself as a notable player in the peer-to-peer lending space.
Investment Returns
0.0%
Average annual return
Getting Started
$25
Minimum investment required
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Use our Kiva-specific calculator with real platform data including 0.0% average returns,0% platform fees, and $25 minimum investment.
Pros & Cons
Pros
- Highest social impact platform
- 96.3% historical repayment rate
- $25 minimum makes it accessible
- 0% interest for borrowers
- Support entrepreneurs in 77 countries
- Relend repaid funds repeatedly
Cons
- No financial returns for lenders
- Currency fluctuation risk
- Loan terms can be 6-36 months
- Limited borrower protection
Quick Stats
0.0%
Avg Return
$25
Min Investment
0%
Platform Fee
4.7
Rating
Kiva Calculator
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