What a signed loan agreement gives you
A personalised loan agreement, prepared from your terms and e-signed by both of you. Your one-off fee pays for preparing and executing the agreement, which you can keep and use independently of Chipkie.
Your agreement, in writing
The agreement records the terms between the named lender and borrower: the amount, repayment schedule, interest (if any), and what happens if things go off track. Both people sign through SignWell, a third-party signature provider, and receive an executed PDF with a signing audit trail.
The signed document remains yours to keep and rely on outside Chipkie, whether or not you continue using the app.
Your signed loan agreement
The one-off fee pays for preparation and execution of your agreement.
- Drafted from your loan: names, amount, repayment schedule, interest (if any), and what happens if things go off track
- E-signed by lender and borrower through a third-party signature provider, each under their own identity
- Returned as an executed PDF with a signing audit trail — yours to keep, download and rely on, whether or not you ever use Chipkie again
- Court-ready: the signed agreement is the evidence if the loan is ever disputed
£3.95 /one-off fee
Managing your loan on Chipkie
Every loan gets a shared dashboard: log repayments, attach receipts, see the progress tracker, and let Chipkie send the reminders. Once your agreement is signed, the dashboard also keeps the records that agreement creates: the repayment schedule it sets, the interest it accrues for tax time, and the evidence bundle you would need if you ever had to enforce it.
The loan workspace supports day-to-day administration: review the amortisation schedule, model early repayments, match receipts to payment records, prepare annual tax summaries and quarterly statements, and keep digital records together. Awkward Chats supports repayment conversations; evidence bundles and demand-letter tools help organise records if a dispute arises.
Convinced a contract is the right way to go?
We’ll prepare your personalised loan agreement and arrange for both people to e-sign it. You receive the executed PDF and signing audit trail to keep. £3.95 one-off fee.