KinlendLoans between people who trust each other
Money between family and friends works best when everything is clear. These guides cover the paperwork, the numbers, the tax rules, and the conversations. The tools are free and need no signup.
Free tools
Loan calculator
Monthly payment, total interest, and a full payment schedule for any personal loan.
ToolLoan agreement template
Fill in a clean agreement in your browser, then print it or copy it. Nothing is stored.
The paperwork
The family loan agreement, done right
The nine things a written agreement needs, and the mistakes that cause fights later.
Loan or gift: decide on purpose
Ambiguity is the real danger. How to choose, and how to make either one official.
The relationship
Lending money to family
How to decide, what to put in writing, and how to handle a missed payment kindly.
Lending money to a friend
Friendships need more clarity, not less. Rules and scripts that keep the friend.
How to ask family for a loan
Exact scripts, what terms to offer upfront, and how to make saying yes feel safe.
The numbers
Picking an interest rate
Zero percent, a token rate, or the AFR. What feels fair and when the IRS cares.
What the IRS says about family loans
AFR, imputed interest, and gift tax rules in plain English, with links to the source.
Family money for a down payment
Gift letters vs real loans, what mortgage lenders require, and the clean paths.