Just to be clear, this isn't a $25 loan for you, so don't start thinking about that new top you've been stalking online. Kiva offers micro-loans to individuals and groups of entrepreneurs in third-world countries who might not otherwise have access to funding for their small businesses or projects. You and other donors give money in $25 increments; the money is released to the individual; they pay you back on a payment plan, and the money is yours to withdraw or (hopefully) re-invest in someone else.
I'm a happy Kiva user and I like what they do, but unfortunately this offer won't work for me, because it's only for new users. Sign up for free and change someone's life!