Lending and borrowing money with friends and family is a breeze with Chipkie.

Set up and track repayments free with Chipkie. An optional written Loan Agreement costs US$4.95 per purchase. Agree the details, keep a shared record and let Chipkie send the reminders.

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Friends Helped

Chip in to help the ones you love with Chipkie.

Whether it’s a new car, paying off some bills, or getting that little leg up to start your own business, we all need a little help sometimes. Join the growing list of legends who are paying it forward with Chipkie.

Set up, manage and track your loan free. Add a written agreement if you choose.

Sign up, enter the terms and invite the other person to review them. Transfer and repay the money directly, then record payments in Chipkie. Tracking and reminders are free. You can choose a written Loan Agreement for US$4.95; each person reviews and signs separately.

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Why Chipkie

Easily keep track of your repayments.

Our simple dashboard helps you track in a flash. Check what’s been paid, when payments are due, and how long you have to go.

Put your agreed loan terms in writing.

Agree on your terms, and formalise the loan with a signed contract, just in case things don’t go to plan.

No awkward conversations.

Let us take care of the reminders and requests with our automated reminders and updates.

Read from our growing list of legends, helping the ones they love.

Game-changer! As someone who regularly lends money to family, I've been waiting for something like Chipkie. The ability to track all my loans in one place and keep accurate records takes the pressure off having to remember who I lent money to and whether they have paid me back.

So fun and easy. This is perfect for teaching my son money responsibility and how to repay a loan, without him being at the mercy of the big banks.

Chipkie makes it so easy. I love how all the communication is automated, so I don't have to contact people over money. It takes away the most uncomfortable aspect of lending money.

There is really nothing like this out in the market at the moment, and I can't wait to share this with my clients. Many borrow money from Mum and Dad's bank to buy their first home. This can support the lending process and keep it smooth, legal and transparent.

Kicking goals, done right.

With Chipkie, asking friends and family to support your dreams is easy, offering them peace of mind while you easily track what’s been paid back, and what’s to come. Core tracking is free. An optional Loan Agreement costs US$4.95 per purchase. So what are you waiting for?

Smart spending and lending.

Browse the latest ideas and insights to help you make the most of your loans, plus the latest from the Chipkie newsroom.