The loans are in $25 increments, and the repayment time can be from 3 months to 2 years. Different loans have different repayment schedules and once you're built up $25 in your account you can lend it back out again. I've only had two loans with losses. One default and one currency loss but I have also had the opportunity to do a couple of matched loans where I put in $25 and it gets matched by a corporate donor.