Take your records with you.
Download all your loans, terms, notes, and repayment entries in one backup. Import it on another device or browser.
BUILT AROUND YOUR CIRCLE
Keep the trust.
Clear up
the terms.
Money between friends deserves a little clarity.
Make a plan, keep a record, and stay on the same page.
Open your lending desk
A better way to keep track ca: coming soon
Your circle. Your terms. Your records.
LET'S MAKE A PLAN
Make the numbers clear.
Monthly schedule. Final payment adjusts for rounding.
01 Set clear terms02 Track what happened03 Keep a shared understanding
A LITTLE CLARITY GOES A LONG WAY
Your lending desk.
THE BIG PICTURE
My loans
Repayments are records of transfers you've made elsewhere. Amounts reflect your saved schedule.
BEFORE YOU SAY “OF COURSE”
Find a plan that fits.
How this schedule is calculated
Each month, interest is calculated on the planned remaining principal using the annual interest rate divided by 12. Each amount rounds to the nearest cent; the final payment clears the planned principal balance. Dates label monthly installments, and interest is not prorated by days. This schedule includes no fees. Recording early, late, or partial transfers does not recalculate the scheduled interest.
Your repayment schedule
GOOD RECORDS, LESS GUESSWORK
Keep everything in reach.
Put dates on your calendar.
Open any loan and download its unpaid installment dates as a calendar file. Add the file to your calendar to keep the plan close.
Make the conversation easy.
Copy a clear summary of your loan or print the complete schedule. Share it through the channel you already use with your friend.
BEFORE THE HANDSHAKE
Agree on the small things.
01
The amount and timing.
Write down the amount, currency, first repayment date, and how many payments you both expect.
02
How you'll keep in touch.
Agree on a way to check in, and how you'll handle a date that needs to move.
03
What a record means.
Save notes about your agreement. Record transfers after they happen, and share a summary when something changes.
LESS AWKWARD. MORE UNDERSTOOD.
A better way
to be there.
Being generous is the easy part.
Keeping the details clear helps the rest.
Start with a conversation.
Use the planner to see monthly repayments and total interest. Set terms you both understand before money changes hands.
Put it in writing.
Keep the amount, dates, and agreement notes in one loan record. Copy the terms or print a schedule for your friend.
Keep the record current.
Add repayments as they happen. Partial payments count, upcoming dates stay visible, and completed loans stay in your history.
GOOD QUESTIONS
Let's keep
things clear.
Where are my records saved?
In this browser on this device. FriendLend doesn't send your loan records to a server. Download a backup to keep a separate copy or move to another browser. Clearing site data removes the browser's saved records.
Does FriendLend move money?
Use your preferred payment service for transfers. FriendLend helps you plan the repayments and keep a record of transfers once they happen.
Can I record part of a repayment?
Yes. Record the amount that was actually transferred. FriendLend allocates recorded repayments to the earliest unpaid installments and shows what remains.
What happens if a payment date changes?
You can edit financial terms before any repayments have been recorded. After that, the original schedule stays fixed to preserve the record. Use the loan notes to keep track of a revised arrangement, and share the update with your friend.
How does sharing work?
You choose what leaves your device. Copying terms, printing, or downloading a loan creates a summary or file for you to share. FriendLend doesn't send messages, invite people, or verify that the other person has agreed.