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 personalised loan contract.
The friendly way to lend and borrow money with people you trust. Your complete toolkit for lending and borrowing between friends and family.
Chipkie makes lending and borrowing between friends and family simple. It’s free to set up a loan, track repayments and keep everyone on the same page. And when you want extra certainty, you can add a fully personalised loan contract to formalise the loan and give both sides peace of mind.
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.
Free & Easy to get you started:
- Chipkie's personal 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)
Add Contract
A must-have for larger or longer loans. Grab a personalised loan contract for £3.95
£3.95
All of Premium plus a free contract!
- 📄 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 payment within the dashboard, log and confirm payemnt that that there is an officla records of all payment that are made and confirmed. Create an official record that avoid 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.
Formalised 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 break to get your finances in order. Borrowers can request a loan holiday to the lender via the dashboard, with all tracking updated.
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 personalised loan contract, tailored to the specific terms of your loan.
£3.95 one-off fee
- Clarity and certainty on the loan terms and agreement
- Legally protection and terms that protect 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?
