Keep money clear.
Keep relationships easy.
Repaya is a simple personal loan tracker for families and friends — so nothing gets lost or misunderstood.
Track balances
See what’s outstanding and what’s been paid, at a glance.
Reduce tension
Clear records prevent misunderstandings before they start.
Share progress
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).
Personal Loan Tracking for Families and Friends
Repaya is a personal loan tracker designed for real-life relationships, not banks.
It helps you track money lent to friends or family, keep a clear record of payments,
and avoid misunderstandings when informal loans are involved.
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Parents lending money to adult children
Keep track of balances and payments without awkward reminders.
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Friends tracking informal IOUs
Replace messy spreadsheets with a simple way to track money owed between friends.
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Tracking personal loans outside a bank
Stay organized with a clear record of what’s owed and what’s been paid.