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
Basic access to manage 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
- Friendly reminders when a payment is due, paid or missed
- Request a repayment holiday anytime
- Download a loan summary, payment record & data export (CSV)
- A complete log of every loan action
Premium Contract
A fully personalized loan contract that formalizes the loan and protects both sides — for a one-off $4.95.
$4.95
Everything in Free, plus
- 📄 A signed PDF loan contract — agreed in writing by both parties, stored in your dashboard and downloadable anytime
- 📊 Full amortisation schedule — see exactly how each payment splits between interest and principal (with a branded PDF)
- 💡 Early-payoff calculator — model extra or lump-sum payments and see the interest you'd save
- 🧾 Smart receipt matching — Chipkie reads your uploaded receipts and lifts payments to Silver & Gold "Chipkie Approved" tiers
- 🗓️ Tax-ready annual summary — interest statements (PDF/CSV) built for tax time, with US below-market (AFR) & state usury guidance
- 💬 Awkward Chats — we handle the awkward for you, escalating gently from Friendly → Neutral → Firm so you never have to nag
- 📁 Court-ready evidence pack — every payment, receipt, checksum and the signed agreement in one PDF, with small-claims guidance for your state
- ✉️ Demand letter template — a region-aware formal demand, ready if it ever comes to that
Chipkie brings the same functionality of professional lending, to friends and family loans.
Simplified One View Loan Tracking
Our fun proprietary dashboard provides a one page view of everything you need to know about your loan including next repayment dates, how long you have left, the latest repayments that were made and more. Whether you are a lender or a borrower, you will be able to easily keep track of where you are at, any time.
Payment Tracking and Alerts
Track payments right inside the dashboard. Log and confirm each repayment so there's an official, shared record of everything paid — the kind of clear paper trail that prevents drama and disputes.
Automated Reminders and Updates
No one likes to have those awkward chats about money, so let us take the hassle out of that too. We’ll send reminders when repayments are due and updates when they are made. We’ll also give those all-important nudges when repayments haven’t been logged, and keep the lender updated on progress.
Formalized contracts
Even with the best of intentions, sometimes things can go wrong. For a small one-off fee all Chipkie users can gain access to a personalised legally binding contract.
Loan Holiday Requests
Sometimes you need a break to get your finances in order. Borrowers can request a repayment holiday through the dashboard, with all tracking updated automatically.
Complete History of the Loan
Keep a complete log of all payments, communication and more with a complete downloadable history of the loan for your records.
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!
We wanted to make it as easy as possible for friends and family to support each other, so we have made it free for all users! There are also no hidden contracts, no sneaky terms and you can close your account at any time. How good is that?
