Peer-to-Peer Lending for People You Know
Paydback turns informal loans between friends, family, and colleagues into structured agreements — with a written record, automatic reminders, and real money movement. No awkward conversations required.
Join the Beta WaitlistNo credit checks · No banks · No middlemen
How It Works
Paydback gives every informal loan the same structure a formal one would have — without the paperwork, the bank, or the awkward follow-ups.
Choose Send for a gift or favor, or Loan for a structured agreement. Set the amount, due date, and recipient — it takes about 30 seconds.
They’re notified instantly, review the terms, and link a card or bank. No paperwork, no friction — just a clear agreement both sides can see.
Funds transfer directly between accounts. Autodraft kicks in on the due date, or the borrower can mark it paid manually — either way, it’s recorded.
Automatic reminders, live loan status, and a full paid-in-full record — no awkward follow-up texts, no he-said-she-said. Just clarity.
Why Paydback
Whether you’re lending or borrowing, Paydback gives the agreement a spine — so there’s nothing left to interpretation.
Every loan is documented from the moment both parties agree. Amount, date, terms — all in one place. No more “I thought we said…”
Automatic reminders go out before the due date. The app does the nudging — you don’t have to bring it up. That’s not pressure; that’s just good design.
Payments are processed by Stripe and go directly to the lender. Paydback never holds your money. You stay in control at every step.
When the loan is repaid, both parties get a clear, timestamped confirmation. Proof it happened. Closure for everyone.
Private Beta
Paydback is currently in private beta. If you’ve ever lent money to someone you know and wondered how to bring it up again — we built this for you. Join the waitlist and be among the first to try it.
🚀 Beta Launching Soon