Get on the same page with a personalised loan contract
Formalise your loan terms and lock in the payment schedule with a signed contract — then let Chipkie handle the tracking, the reminders and the awkward conversations for you. It's the smart thing to do, and the peace of mind is worth far more than the one-off fee.
Relax — you're covered, with a personalised contract for your friends-and-family loan
Lending without a contract is like surfing without knowing how to swim — risky, and no safety net. A solid, personalised agreement is that net.
Whether it’s a few dollars or a serious sum, putting it in writing protects both the money and the relationship. And with Chipkie, the contract is just the start: once it’s signed, we track every payment, match receipts, keep your records tax-ready, and step in with gentle reminders if a repayment is ever missed — so you never have to chase anyone yourse
Everything you get with a Loan Contract
Get on the same page from day one — then let Chipkie do the heavy lifting.
- Personalised to your loan including the amount, duration, payment schedule and interest (if applicable).
- Terms and conditions outlining what happens if things don’t go according to plan.
- Facilitated process for digital signatures.
- Digital storage with easy accessibility from your dashboard.
- Full amortisation schedule — see exactly how each payment splits between interest and principal
- Early-payoff calculator — model extra or lump-sum payments and see the interest you'd save
- Smart receipt matching — Chipkie reads uploaded receipts and awards Silver & Gold "Chipkie Approved" tiers, so there's never a "did you actually pay?" dispute
- Tax-ready annual summary — interest statements (PDF/CSV) for tax time, with below-market (AFR) and state usury guidance
- Awkward Chats — we handle the awkward for you, escalating gently from Friendly → Neutral → Firm
- Court-ready evidence pack & demand letter — every payment, receipt and the signed agreement bundled with small-claims guidance for your state, ready if it ever comes to that
$4.95 one-off fee
WHY WE RECOMMEND A CONTRACT
Clarity and certainty: A contract is a clear map through your loan — terms, repayment schedule, interest and the details all laid out. No surprises.
Protection in writing: It gives both borrower and lender a reference point. If a misunderstanding arises, the agreement — plus Chipkie’s full payment ledger and receipt trail — helps resolve it quickly and fairly.
Evidence that holds up: “A verbal agreement isn’t worth the paper it’s written on.” A signed contract, backed by Chipkie’s tamper-evident records and court-ready evidence pack, is tangible proof of what was agreed.
Promotes responsibility: It’s a standing reminder of the commitment — and Chipkie’s automated reminders keep everyone accountable without you having to nag.
Easier financial planning: You’ll know exactly how much is due and when, with an amortisation schedule and early-payoff calculator to plan around.
No more awkward conversations: Chipkie sends the reminders for you and steps them up gently if needed — so chasing repayment never falls on you.
Convinced a contract is the right way to go?
Great choice — now let us take care of the rest. We’ll generate and finalise the contract, then track the whole loan for you. Clarity, records and peace of mind, all for a one-off $4.95.