Get Started For Free
We've made it easy to lend a hand to the people we love most. Chipkie is free for everyone to start using today — and when you want extra peace of mind, you can add a personalized loan contract.
Chipkie - The friendly way to lend and borrow money with people you trust. Lend and borrow between friends and family — the right way.
Chipkie takes the awkwardness out of money between people who care about each other. Setting up a loan and keeping track of repayments is completely free — and when you want extra certainty, you can add a personalized loan contract that formalizes the terms and protects both sides.
Free & Easy
Managing your loan is totally free! You do the tracking via Chipkie’s loan management dashboard, and we manage the communication!
Free
Available for the life of your loan. Because we care
Free & Easy to get you started:
- Access to Chipkie's personalized loan management dashboard
- Log repayments yourself & track the schedule
- Visual progress tracker for the whole loan
- Attach receipts & photos as proof of payment
- Payment reminders and lender-sent Awkward Chats, subject to timing and loan status
- Request a repayment holiday anytime
- Download a loan summary, payment record & data export (CSV)
- A complete log of every loan action
Loan Contract
A personalized loan agreement, signed by both of you.
$4.95
- 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 amortization 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.
Make it official with a contract!
Ensure there are no misunderstandings with a personalized loan contract, tailored to the specific terms of your loan and your state’s requirements.
$4.95 one-off fee
- Clarity and certainty on the loan terms and agreement
- Legal protection and terms that safeguard both parties
- Easier dispute resolution, with clearly defined terms and conditions
- Promotes responsible payments and accountability
Get started today for free!
Core setup and tracking are free. An eligible release document is a separate optional US$7.95 one-off purchase. Free forgiveness and settlement-recording options are also available; the document fee does not pay money owed to the lender. There are also no hidden contracts, no sneaky terms and you can close your account at any time. How good is that?
