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.
One person sends a loan request. Set the amount, repayment date, and any notes. Both sides see the same terms.
The other person reviews and accepts. That acceptance creates a shared written record — a moment both parties acknowledged the agreement.
Paydback sends automatic nudges as the due date approaches. Not nagging — just structure. The kind that makes repayment the natural next step.
The borrower repays directly through the app via Stripe. Funds go to you — not held by us. The loan is marked paid-in-full.
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