Create clear terms
Agree on the amount, repayment dates and expectations before money moves.
KinPay
Private financial agreements, made clear.
Lending between people works better when everyone has the same understanding. Create an agreement, confirm the terms together, and track every repayment from start to finish.
Keep everything documented
Store the agreement, confirmations and repayment plan in one place.
Track every repayment
See what has been paid, what is due and what remains.
Automatic reminders
Help both sides stay on schedule without awkward follow-ups.
Avoid misunderstandings
Give everyone the same clear record of what was agreed.
Build a trusted history
Turn completed agreements into a financial record you control.
How it works
- 1
Set the terms
Enter the amount, schedule and any conditions that matter to both sides.
- 2
Confirm together
The other person reviews and confirms, so the agreement is shared, not assumed.
- 3
Track to completion
Repayments are logged and reminders sent until the agreement is closed.
Built for
- Friends and family lending to one another
- Informal loans that deserve a proper record
- Repayment plans paid back over time
- Anyone who wants clarity without awkward conversations
Ready to create your first agreement?
Creating and tracking personal agreements is free. Set it up in a few minutes.