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, make it official with a real contract, and protect the relationship that matters more than the money.
Set up your loan in 2 minutes →
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 — and unlike Pigeon, every loan can be backed by a legally-binding contract, so it’s protected no matter what.
Callout: 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. This time, it’s backed by a signed agreement.
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 — Generate a real, e-signed loan contract in minutes. Not a template you have to take to a lawyer — a ready-to-sign deed, tailored to your country’s rules.
- 📊 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 — Connect automated repayments so money moves on schedule, and the loan quietly takes care of itself.
Chipkie vs Pigeon vs ZimpleMoney
| 🕊️ Pigeon (closed) | ZimpleMoney | 🐨 Chipkie | |
|---|---|---|---|
| Available today | ❌ Shut down Dec 2025 | ✅ | ✅ |
| Built for family & friends | ✅ | ⚠️ Loan-servicing focus | ✅ Purpose-built |
| Free repayment tracking | ✅ | ⚠️ Fees apply | ✅ Free |
| Legally-binding e-signed contract | ⚠️ Basic | ⚠️ Sample docs (DIY) | ✅ Built-in, ready to sign |
| Guided AI loan setup | ❌ | ❌ | ✅ |
| Neutral “on your behalf” reminders | ❌ | ❌ | ✅ Awkward Chats |
| Automated repayments | ✅ | ✅ | ✅ |
| Tax-ready summaries | ❌ | ⚠️ | ✅ US/AU/UK aware |
| Court-ready evidence pack | ❌ | ❌ | ✅ |
| Price | — | Subscription/fees | ✅ Free + contract from $4.95, no subscription |
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). Add a legally-binding contract for a one-off fee — both parties e-sign, no lawyer required.Step 3 — Relax. Track repayments free, turn on automatic reminders or payments, and let Chipkie keep the peace.
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 court-ready record in case things ever go wrong, 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 legally-binding contracts, automatic reminders and payments, across Australia, the US and the UK.
Can I import my data from Pigeon? Pigeon deleted user data in December 2025, so there's nothing left to import — but rebuilding your loan in Chipkie takes about two minutes with our guided setup, and this time it's backed by a signed agreement.Is it free? Tracking repayments is free. A legally-binding contract is a one-off fee from $4.95 with no subscription.Is a
Chipkie loan legally enforceable? Yes — Chipkie generates a real, e-signed loan deed tailored to your country, plus a court-ready evidence pack if you ever need it.
Does it work outside the US? Yes — Chipkie supports Australia, the US and the UK, with the right contract and tax rules for each.