PaidPair

Asking for the money back is the awkward part.

Lend money.
Stay friends.

PaidPair does the awkward asking for you: the reminders, the follow-ups, the record. You get paid back without ever being the bad guy.

Get started for freeSee how it works
FreeWe never move your moneyYour number stays private
PaidPairMy loans
S
Sara

owes you

$120

due Fri

We reminded Sara for you

Nothing for you to do.

1

Record it

Add the amount, due date, and who. About 30 seconds.

2

We do the asking

Gentle texts before it's due and after. Signed PaidPair, not you.

3

They pay, you confirm

They pay you back however you already do. You mark it settled.

You never send the ‘hey, about that money...’ text. We do.

That one text is the reason friend-loans quietly turn into gifts. PaidPair sends it for you: warm, low-key, and signed by us.

Your friend is just as relieved to skip the awkward ask. Nobody has to be the bad guy.

Comes from PaidPair, never shown as from you

PaidPair text message

Hi! Friendly note: the $100 from March is due Friday. No rush.

Delivered, sent for you automatically

The part nobody talks about

Lending to a friend is easy. Getting it back is the hard part.

Most friend-loans aren't forgiven. They're just never asked about. “I'll get it later” quietly becomes “I'll let it go.”

You lose track

Was it $40 or $60? Did they pay me back?

You never ask

The ‘hey, about that money…’ text never gets sent.

The money’s gone

And a little resentment quietly takes its place.

How it works

Three steps. No surprises.

1

Record a loan

Set the amount, when it's due, and who. They get a text and an in-app invite to confirm.

New loan

Amount$100
DueFriday
ToSara
Send invite

2

We do the asking

Both parties get a gentle text 3 days before, on the due date, and every two weeks if it's overdue. You never have to send the awkward ‘hey about that $100’ message.

Hi! Friendly note: the $100 from March is due Friday. No rush.

From PaidPair

Sent for you, automatically.

3

Confirm when it's paid

When they pay you via Venmo, Zelle, or cash, they snap a screenshot. You confirm. Done.

S

Sara marked $100 paid

Yes, got it
All square

Why PaidPair

Designed around how friends actually lend money.

Never lose track

Every loan, amount, and due date in one place.

Never be the bad guy

PaidPair sends the reminders, so you don't have to.

Protect the friendship

Keeps money from quietly souring the relationship.

Actually get paid back

Gentle nudges mean loans get closed, not forgotten.

Interest-free, alwaysWe never move your moneyPrivate to the two of you

Frequently asked

Honestly, most people prefer it. The texts are warm, low-key, and signed PaidPair, not from you. Your friend or family member is just as relieved as you are to skip the awkward ‘hey, about that money...’ message. Everyone gets the loan tracked, nobody has to be the bad guy.
PaidPair doesn't collect the money, that part still happens between the two of you. But you're not empty-handed: when your friend accepts the loan, that acceptance is on the record, so there's a clear, shared account of what was agreed. From there, PaidPair keeps doing the gentle asking with steady reminders, so the loan stays visible instead of quietly turning into a gift. Being on the record and consistently nudged is what gets most friend-loans actually closed.
No. We don't loan you money or hold your money. We're software that helps you remember a loan you've made yourself, to someone you already know and trust.
All of them. Venmo, Zelle, Cash App, bank transfer, cash. Whatever you and your friend already use. PaidPair never touches the actual transaction.
Yes, and it's available now for $4.99/month. The friend-and-family loan tracker stays free forever. PaidPair Premium is for businesses, landlords, nonprofits, and anyone managing more formal or recurring agreements. It includes:
  • · Rental agreements, monitored with automated reminders
  • · All your business contracts in one place, with reminders and recording
  • · Equipment leasing, for businesses and individuals
  • · Installment payments and loans, so you always know what's been paid and what's still due
  • · For nonprofits: reimbursement recording with reminders
  • · For nonprofits: room reservations and bookings with reminders
The PaidPair promise doesn't change: we do the reminding and keep the record, and we never move or hold the money. Get Premium
Because the cost to operate this for friends-and-family scale is nearly zero. The core friend-loan tracker is free forever. PaidPair Premium ($4.99/month) adds the business, rental, leasing, installment, and nonprofit features for those who need them.
Personal loans under $10,000 are generally exempt from IRS imputed-interest rules. PaidPair caps individual loans at $10,000 to keep you in that safe harbor. For your specific situation, talk to a tax professional.
Encryption in transit, row-level database security so only loan participants see loan details, payment screenshots stored in private storage with short-lived signed URLs. Read our full Privacy Policy for details.

Looking for something more?

PaidPair Premium is available now for $4.99/month. Rentals, contracts, equipment leasing, installment plans, and nonprofit tools, all with automated reminders and a complete payment record. Get Premium

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