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 written agreement for this loan, agreed by both people and kept with the loan record. The one-off contract also unlocks Chipkie’s paid toolkit.
A$6.95 one-off
Loan Contract includes:
- Signed PDF loan contract agreed by both people, stored and downloadable
- 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
- Awkward Chats: Friendly → Neutral → Firm reminders
- Court-ready evidence pack with the signed agreement, receipts, checksums and audit history
- Region-aware demand-letter template when formal escalation conditions are met
- Complete payment and activity history
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.
Practical loan-management tools for friends and family
Simple shared loan tracking
See the repayment schedule, balance, next due date, recent payments and full loan history in one shared dashboard.
Optional Automated Payments
For eligible Australian loans, scheduled card collections can be processed through Stripe and recorded against the shared repayment schedule.
Reminders and Awkward Chats
Chipkie sends due, paid and missed-payment updates, with supportive Friendly → Neutral → Firm wording so neither person has to nag.
Optional written Loan Contract
Add a personalised written agreement for this loan. Both people can review and sign it, and the completed PDF stays with the loan record.
Repayment-holiday requests
Borrowers can request a repayment holiday and lenders can respond in the shared dashboard, keeping the schedule and history clear.
Downloadable loan records
Keep a complete history of payments and activity, with free summary and CSV exports plus paid evidence and statement tools when enabled.
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 sign the agreement, and the completed PDF stays with the loan.
Ensure there are no misunderstandings with a personalised loan contract, tailored to the specific terms of your loan.A$6.95 one-off
- Clear written loan terms
- Recorded acceptance and a signed PDF
- Better evidence if a dispute arises
- Chipkie’s paid toolkit for this loan
Get started today for free!
Start with Chipkie’s free loan-management tools. Add Automated Payments or a Loan Contract only when the extra support suits this loan.
