Lend within your circle
A loan between people you trust, made simple.
Kinlend turns a handshake loan with family or a friend into a clear agreement, a real payment plan, and gentle reminders, so the money comes back and the relationship stays whole.
Set one up in minutes. Kinlend is a tool, not a lender, and no money ever moves through it.
12 monthly payments · 0% interest
How it works
Three simple steps, from handshake to paid off
You set it up in a couple of minutes. Kinlend keeps the record tidy the rest of the way.
Write it up together
Enter the amount, pick a payment plan, and Kinlend builds a plain-language agreement and a full schedule. Interest is optional, always capped and fair.
Both of you sign
Invite the other person by email. They review and e-sign from their own phone, so you both remember the exact same terms.
Track it to payoff
Mark payments as they happen, both confirm, and watch the balance fall. Gentle reminders keep it on track, never pushy.
Two ways to set it up
Lend money, or pay off a specific thing
Sometimes it isn’t a lump sum. You’re covering a couch, a car repair, a semester of books. List what you’re paying off and Kinlend checks each item off as the money comes in, so the agreement is about the thing, not just a number.
- Name the items. Add each thing and its price. The total becomes the loan, so you’re both clear on exactly what’s being paid for.
- Watch them clear. As confirmed payments land, items are marked paid off in order, so you always see where you stand.
- Interest optional. Keep it interest-free, or add a fair rate. Either way the schedule and the running total are built for you.
- ✓Sofa$600
- ✓Dining table$450
- Mattress$400
What Kinlend is
A facilitator, never the bank
Every year people lend more than $180 billion to the people they trust most, and almost none of it is written down. Kinlend makes that official and effortless.
What Kinlend is
- A facilitator that makes a trusted loan official
- An e-signed agreement and a clear payment schedule
- Tracking, two-sided payment confirmation, and friendly reminders
- Private to the two people on the loan
What Kinlend is not
- Not a bank and not a lender
- Not a place to borrow from strangers
- Not a debt collector or a credit product
- Never the party that holds or moves your money
Why people use it
It feels like a friend handled the paperwork
Not like a bank sent a notice. Plain words, an unhurried design, and a loan you’d actually be glad to share.
Plain-language agreement
A real, e-signed promissory note in words anyone can read. Download a copy any time.
An honest payment plan
A true amortization schedule with every date and amount, and the total cost shown up front.
Fair by design
0% interest is the default. If you do charge, percentage rates are capped at 36% APR.
Both see the same thing
You each follow the same loan from your own device: signatures, payments, and balance in sync.
Gentle reminders
Friendly nudges as payments come due, so nothing slips and no one has to be the bad guy.
Yours and private
Saved securely to your account and visible only to the two people on the loan. Sign in with a one-time email link.
Simple pricing
Pick a plan, billed monthly
Choose the plan that fits, and one subscription covers all your loans. Cancel anytime. No money ever moves through Kinlend.
Contract
Make a handshake official.
- Plain-language e-signed agreement
- Full payment schedule
- Download your copy anytime
Manual tracking
Track it to payoff, together.
- Everything in Contract
- Payment tracking + two-sided confirm
- Gentle reminders & partial payments
One subscription covers all your loans, and you can cancel anytime.
Make your next loan one you both feel good about
Set up your first loan in a couple of minutes. No money ever moves through Kinlend.
Get started