Pigeon Loans has flown the nest. Chipkie is where your family loans land next.
Pigeon closed its doors in December 2025 — and took your loan records with it. Chipkie picks up where it left off: track every repayment, optionally document the remaining balance from its start date in Chipkie, and protect the relationship that matters more than the money.
Create an existing-loan record →
What happened to Pigeon Loans?
Pigeon Loans announced it would cease operations, entering read-only mode in September 2025 and permanently deleting all accounts and data on December 1, 2025. If you lent to — or borrowed from — someone you care about through Pigeon, your agreement, schedule and payment history are gone.
That’s stressful. A loan between family or friends doesn’t stop existing just because the app did. You still need a clear record of what’s owed, what’s been paid, and what happens next.
Chipkie is built for exactly that — eligible loans can have an optional signed document. Keep your original records: a Chipkie document records the terms here and does not guarantee repayment or a legal outcome.
Lost your Pigeon records? Rebuilding your loan in Chipkie takes about two minutes — just tell our setup assistant the amount, who, and the repayment plan, and we’ll generate the schedule for you. You can choose an optional paid agreement to record the imported remaining balance from its Chipkie start date.
Meet Chipkie - The friendly, official way to lend money to people you love.
Chipkie turns an awkward “you’ll pay me back, right?” into a clear, calm, documented plan — without turning you into a debt collector.
Four pillars
- 📝 Make it official — Choose an optional loan document and review the terms before signing. Document type and eligibility depend on the loan’s country. Obtain independent advice for complex arrangements.
- 📊 Track every repayment — Free. See exactly what’s been paid and what’s due, with gentle automatic reminders so nobody has to nag.
- 🤝 Protect the relationship — When a payment’s late, Chipkie sends the reminder on your behalf — neutral, kind, and never you. We call it Awkward Chats, because we handle the awkward part.
- 🔁 Set-and-forget payments — Australia: optional automated card repayments. US and UK: pay each other directly, then record payments in Chipkie.
Chipkie vs Pigeon vs ZimpleMoney
| 🕊️ Pigeon (closed) | ZimpleMoney | 🐨 Chipkie | |
|---|---|---|---|
| Available today | ❌ Shut down Dec 2025 | ✅ | ✅ |
| Built for family & friends | ✅ | ✅ Family and private loans supported | ✅ Purpose-built |
| Free repayment tracking | ✅ | Included in paid plans | ✅ Free |
| Legally-binding e-signed contract | ⚠️ Basic | Not stated on public plan | ✅ Built-in, ready to sign |
| Guided AI loan setup | ❌ | ✅ AI-assisted loan templates | ✅ |
| Neutral “on your behalf” reminders | ❌ | ✅ Email and SMS notices | ✅ Awkward Chats |
| Automated repayments | ✅ | ✅ | ✅ Australia only |
| Tax-ready summaries | ❌ | ✅ Reports and 1098 forms | ✅ Eligible paid features; regional guidance |
| Court-ready evidence pack | ❌ | Not stated on public plan | ✅ Eligible paid feature |
| Price | — | US$23/month + US$23 setup per loan; processing fees extra | ✅ Free tracking + US contract US$4.95 one-off |
Source: ZimpleMoney plans and pricing. Competitor details checked 15 August 2026 and can change.
How to move over
Step 1 — Tell Chipkie about your loan. Amount, who it's with, and how it's being repaid. Our assistant does the maths and builds your schedule.
Step 2 — Make it official (optional). An eligible imported loan can have an optional contract recording the remaining balance and terms from its start date in Chipkie. Both parties review and sign. A paid release is unavailable for imported loans.
Step 3 — Relax. Track repayments free and use reminders. Only eligible Australian loans can add automated card repayments; US and UK repayments happen directly between you.
Most tools treat a family loan like a bank transaction. Chipkie knows it's really about trust. That's why we do the things a spreadsheet — or Pigeon — never could: send the uncomfortable reminders so you don't have to, keep a downloadable record of the agreed terms and payment history, and flag the tax stuff (like minimum interest rules) most people don't know exist. So the loan stays a loan — and the relationship stays a relationship.
FAQ
Is Pigeon Loans still available? No. Pigeon entered read-only mode in September 2025 and permanently closed on December 1, 2025, deleting all accounts and data.
What's the best alternative to Pigeon Loans? Chipkie is a purpose-built alternative for loans between family and friends — free repayment tracking, optional signed loan documents and reminders. Automated card repayments are available only for eligible Australian loans.
Can I import my data from Pigeon? Pigeon deleted user data in December 2025, so Chipkie cannot recover those records. Use records you kept to enter the original amount, repayments already made and remaining balance. An optional contract records the terms from the loan's start date in Chipkie.
Is it free? Tracking repayments is free. An optional US loan agreement costs US$4.95 per purchase; an eligible US release costs US$7.95 separately. US tracking has no subscription. Australian automated payments have a separate monthly fee.
Is a Chipkie loan legally enforceable? A signed document can record your agreement and support a claim. Enforceability depends on the terms, parties, signing requirements and local law. Chipkie cannot guarantee a legal outcome.
Does it work outside the US? Yes — Chipkie supports Australia, the US and the UK, with the right contract and tax rules for each.