Get Started For Free
Set up and track a family loan for free. Add Automated Payments or a written Loan Contract only when this loan needs them.
A clear, shared toolkit for lending and borrowing between friends and family.
Chipkie keeps the repayment schedule, payment record and reminders in one shared place. Start with the free tools, then add Automated Payments or a personalised Loan Contract when the extra support suits this loan.
Free & Easy
Create the repayment schedule, track payments together and keep a shared record for the life of the loan — with no subscription fee.
Free
Free & Easy includes:
- Shared loan-management dashboard
- Repayment schedule agreed by both people
- Manually log repayments as they happen
- Lender confirmation creates a shared payment record
- Reminders when repayments are due, paid or missed
- Awkward Chats: supportive Friendly → Neutral → Firm reminders
- Request and record a repayment holiday
- Attach receipts and photos as payment evidence
- Download a loan summary, payment record and CSV data
- Complete activity history for the loan
Automated Payments
Scheduled card collection and tracking through Stripe, plus Chipkie’s paid loan-management toolkit. A Loan Contract is a separate one-off add-on.
A$4.95/month
Automated Payments includes:
- Automated card collection and payment tracking through Stripe
- Full amortisation schedule with branded PDF
- Early-payoff calculator for recurring or lump-sum extras
- Smart receipt matching and Chipkie Approval tiers
- Tax-ready annual summaries in PDF and CSV
- Quarterly loan statements
- Court-ready evidence pack with payments, receipts, checksums and audit history
- Awkward Chats: Friendly → Neutral → Firm reminders
- Shared dashboard and payment confirmation record
- Repayment-holiday requests and complete loan history
Loan Contract
A personalised loan agreement, signed by both of you.
A$6.95 one-off
- Drafted from your loan: names, amount, repayment schedule, interest (if any), and what happens if things go off track
- E-signed by lender and borrower through a third-party signature provider, each under their own identity
- Returned as an executed PDF with a signing audit trail — yours to keep, download and rely on, whether or not you ever use Chipkie again
- Court-ready: the signed agreement is the evidence if the loan is ever disputed
Managing your loan on Chipkie
Every loan gets a shared dashboard: log repayments, attach receipts, see the progress tracker, and let Chipkie send the reminders. Once your agreement is signed, the dashboard also keeps the records that agreement creates: the repayment schedule it sets, the interest it accrues for tax time, and the evidence bundle you would need if you ever had to enforce it.
The loan workspace supports day-to-day administration: review the amortisation schedule, model early repayments, match receipts to payment records, prepare annual tax summaries and quarterly statements, and keep digital records together. Awkward Chats supports repayment conversations; evidence bundles and demand-letter tools help organise records if a dispute arises.
How Automated Payments work with Chipkie
Chipkie uses Stripe to collect eligible scheduled card repayments and record them against the shared loan schedule. Automated Payments cost A$4.95 per month plus 1.75% + A$0.30 per successful card collection.
Make it official with a contract!
Create a personalised written record of the amount, rate, repayment schedule and other agreed terms. Both people review and e-sign the agreement through a third-party signature provider. The executed PDF and signing audit trail are yours to keep and rely on independently of Chipkie.
A$6.95 one-off
- Clear written loan terms
- Recorded acceptance and a signed PDF
- Better evidence if a dispute arises
- An executed PDF and signing audit trail to keep
Get started today for free!
Start with Chipkie’s free loan-management tools. An eligible Deed of Release is a separate optional A$9.95 one-off purchase. Free forgiveness and settlement-recording options remain available; the document fee does not pay money owed to the lender. Add Automated Payments or a Loan Contract only when the extra support suits this loan.
