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, without any exceptions.  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.

In order to make your monthly payment:

  1. Log into your Kiva Account

  2. Click on “Make repayment” or “Pay now” 

  3. Make sure to log into your PayPal account (DO NOT checkout as a guest)

  4. Choose your payment method and then click “Send payment now.”

In order to pay a custom amount or lump sum:

  1. Visit

  2. Enter the desired payment amount

  3. Make sure you are logged into your PayPal account when sending any payment to Kiva

To avoid having to this every month, we encourage you to set up automatic repayments!


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!