Keep money clear. Keep relationships easy.

Repaya is a simple personal loan tracking tool for families and friends — so nothing gets lost or misunderstood.

See what’s outstanding and what’s been paid — at a glance.

Clear records prevent misunderstandings before they start.

Send a private link so others can follow payments without creating an account.

Informal lending is common — and it often gets messy

Repaya exists because small, everyday loans can quietly create confusion and tension when nothing is written down.

51.6%

have borrowed money from friends or family (at least once)

53%

have lent money to friends or family

46.6%

said it caused serious arguments or conflict

$297

average amount borrowed in the survey

Source: JG Wentworth “Shadow Debt” survey (2025).

Repaya is a personal loan tracking tool designed for real-life relationships — not banks.

Parents lending money to adult children
Keep track of balances and payments without awkward reminders.
Friends managing informal IOUs
Replace messy spreadsheets with a simple, private loan tracker.
Anyone tracking personal loans outside a bank
Stay organized with a clear record of what’s owed and what’s been paid.