Here’s another way you can get free fair trade chocolate this Valentine’s Day — This time just for lending $20 — which you’ll get back WITH INTEREST!

MicroPlace, a Kiva-like business that lets you to make microloans to the working poor AND get a one to three percent return on your investment, is offering a sweet deal called Invest With Your Heart - A Different Way to Show Love.” All you have to do is invest $20 or more at — and do it in honor of a loved one. The money you invest will stay your own loan, but the honoree will get a box of fair trade chocolate hearts from Divine Chocolate plus a gift card about microfinance.

So make your loan and eat your chocolate too -- and don’t forget about the two other ways you can score free fair trade chocolate this month!