Get Started For Free
Set up and track a family loan for free. Add a personalised written Loan Contract when the extra certainty suits this loan.
A clear, shared toolkit for lending and borrowing between friends and family.
Chipkie keeps the repayment schedule, payment record and reminders in one shared place. Start with the free tools, then add a personalised Loan Contract when the extra support suits this loan.
Free & Easy
Create the repayment schedule, track payments together and keep a shared record for the life of the loan — with no subscription fee.
Free
Free & Easy includes:
- Shared loan-management dashboard
- Repayment schedule agreed by both people
- Manually log repayments as they happen
- Lender confirmation creates a shared payment record
- Reminders and Awkward Chats for due, paid or missed repayments
- Request and record a repayment holiday
- Attach evidence and download the loan summary, payment record and CSV data
Loan Contract
A personalised written agreement for this loan, agreed by both people and kept with the loan record. The one-off contract also unlocks Chipkie’s paid loan-management toolkit.
£3.95
Loan Contract includes:
- Signed PDF loan contract agreed by both people, stored in the dashboard and downloadable
- Full amortisation schedule showing principal and interest, with a branded PDF
- Early-payoff calculator for recurring or lump-sum extra payments
- Smart receipt matching with Silver and Gold Chipkie Approval tiers
- Tax-ready annual summaries in PDF/CSV, plus quarterly loan statements
- Awkward Chats: supportive Friendly → Neutral → Firm reminders
- Court-ready evidence pack with the signed agreement, payments, receipts, checksums and audit history
- Region-aware demand-letter template when formal escalation conditions are met
Practical loan-management tools for friends and family
Simple shared loan tracking
See the repayment schedule, balance, next due date, recent payments and full loan history in one shared dashboard.
Manual payment records
Borrowers can log repayments and lenders can confirm them, creating a shared record against the agreed schedule.
Reminders and Awkward Chats
Chipkie sends due, paid and missed-payment updates, with supportive Friendly → Neutral → Firm wording so neither person has to nag.
Optional written Loan Contract
Add a personalised written agreement for this loan. Both people can review and sign it, and the completed PDF stays with the loan record.
Repayment-holiday requests
Borrowers can request a repayment holiday and lenders can respond in the shared dashboard, keeping the schedule and history clear.
Downloadable loan records
Keep a complete history of payments and activity, with free summary and CSV exports plus paid evidence and statement tools when enabled.
Make it official with a contract!
Create a personalised written record of the amount, rate, repayment schedule and other agreed terms. Both people review and sign the agreement, and the completed PDF stays with the loan.
£3.95 one-off
- Clear written loan terms
- Recorded acceptance and a signed PDF
- Better evidence if a dispute arises
- Chipkie’s paid toolkit for this loan
Get started today for free!
Start with Chipkie’s free loan-management tools. Add a Loan Contract only when the extra certainty suits this loan.
