{"id":1632,"date":"2024-01-15T13:38:24","date_gmt":"2024-01-15T02:38:24","guid":{"rendered":"https:\/\/chipkie.com\/?page_id=1632"},"modified":"2026-09-20T13:38:16","modified_gmt":"2026-09-20T03:38:16","slug":"upgrade-to-a-loan-contract","status":"publish","type":"page","link":"https:\/\/chipkie.com\/uk\/pricing\/upgrade-to-a-loan-contract\/","title":{"rendered":"Upgrade to a Loan Contract"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1632\" class=\"elementor elementor-1632\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90bbe7d e-con-full e-flex e-con e-parent\" data-id=\"90bbe7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-230d7bc e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"230d7bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6868d3b e-con-full e-flex e-con e-child\" data-id=\"6868d3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7e2ef06 e-flex e-con-boxed e-con e-child\" data-id=\"7e2ef06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf85e6d elementor-widget elementor-widget-heading\" data-id=\"cf85e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What a signed loan agreement gives you<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-886c6a2 elementor-widget elementor-widget-heading\" data-id=\"886c6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">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.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07d0cc8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"07d0cc8\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"loan_start_wp\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/my.chipkie.com\/loans\/create\/?package=contract\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Buy Contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99add45 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"99add45\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc64419 e-flex e-con-boxed e-con e-parent\" data-id=\"cc64419\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c39959 elementor-widget elementor-widget-heading\" data-id=\"2c39959\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your agreement, in writing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f6d0ed elementor-widget elementor-widget-text-editor\" data-id=\"8f6d0ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>The signed document remains yours to keep and rely on outside Chipkie, whether or not you continue using the app.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b20b77 e-flex e-con-boxed e-con e-parent\" data-id=\"6b20b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-683ce3e e-con-full e-flex e-con e-child\" data-id=\"683ce3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73a0679 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"73a0679\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;bounceIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"763\" height=\"757\" src=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/01\/Contract-cropped.svg\" class=\"attachment-medium_large size-medium_large wp-image-1805\" alt=\"Contract\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c4ea09 e-con-full e-flex e-con e-child\" data-id=\"6c4ea09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebc183d elementor-widget elementor-widget-heading\" data-id=\"ebc183d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your signed loan agreement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be1947c elementor-widget elementor-widget-text-editor\" data-id=\"be1947c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The one-off fee pays for preparation and execution of your agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f98d7d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4f98d7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Drafted from your loan: names, amount, repayment schedule, interest (if any), and what happens if things go off track<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">E-signed by lender and borrower through a third-party signature provider, each under their own identity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Returned as an executed PDF with a signing audit trail \u2014 yours to keep, download and rely on, whether or not you ever use Chipkie again<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Court-ready: the signed agreement is the evidence if the loan is ever disputed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a77cd9 elementor-widget elementor-widget-heading\" data-id=\"0a77cd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00a33.95 \/one-off fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e757049 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"e757049\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"loan_start_wp\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/my.chipkie.com\/loans\/create\/?package=contract\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Buy a contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aceb464 e-con-full e-flex e-con e-parent\" data-id=\"aceb464\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e9262c5 e-con-full e-flex e-con e-child\" data-id=\"e9262c5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-badfe7f e-con-full e-flex e-con e-child\" data-id=\"badfe7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c32a3 elementor-widget elementor-widget-heading\" data-id=\"c7c32a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Managing your loan on Chipkie<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed9bdea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ed9bdea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e1b7db elementor-widget elementor-widget-text-editor\" data-id=\"7e1b7db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94214be e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"94214be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f348fab elementor-widget elementor-widget-image\" data-id=\"f348fab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"1090\" data-src=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/01\/Asset-1talkingladies-2.svg\" class=\"attachment-medium_large size-medium_large wp-image-1930 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/1090;\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-042e8b6 e-flex e-con-boxed e-con e-parent\" data-id=\"042e8b6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7fb80e elementor-widget elementor-widget-heading\" data-id=\"a7fb80e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Convinced a contract is the right way to go? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33e2a0 elementor-widget elementor-widget-text-editor\" data-id=\"a33e2a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We\u2019ll 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. \u00a33.95 one-off fee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2011a1f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2011a1f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"loan_start_wp\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/my.chipkie.com\/loans\/create\/?package=contract\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Buy a contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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. Buy Contract Your agreement, in writing The agreement records the terms between the named lender &#8230; <a title=\"Upgrade to a Loan Contract\" class=\"read-more\" href=\"https:\/\/chipkie.com\/uk\/pricing\/upgrade-to-a-loan-contract\/\" aria-label=\"Read more about Upgrade to a Loan Contract\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":396,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1632","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/1632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/comments?post=1632"}],"version-history":[{"count":73,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/1632\/revisions"}],"predecessor-version":[{"id":3735,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/1632\/revisions\/3735"}],"up":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/396"}],"wp:attachment":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/media?parent=1632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}