Kinlend

Kinlend turns a loan between people who trust each other into a clear, written agreement and a simple payment plan you can both follow to payoff. Kinlend is a tool, not a lender. No money ever moves through Kinlend. The cash goes directly between you and the other person, exactly as it would without us. We just keep the record straight so you both see the same plan and the same progress. What you can do: - Write up a plain-language agreement and both sign it. - Build a payment schedule, or keep it interest-free, which is the default. - Track payments to payoff, with optional reminders. The fine print, up front: - Kinlend is not a bank or a lender and gives no legal or financial advice. - The all-in yearly rate (interest plus any fees) is capped at 36% APR. - A loan must be scheduled to run more than 60 days. - You and the other person choose the amount, rate, and length. Representative example: borrow $1,000 at 10% APR over 12 monthly payments of about $87.92, roughly $55 total interest, about $1,055 paid back in all. Subscriptions (optional): Contract ($0.99/month) and Manual tracking ($4.99/month). Each is a 1-month auto-renewing subscription. One plan covers all your loans. Cancel anytime in your App Store account settings. Terms of Use: https://kinlend.app/app/#/terms Privacy Policy: https://kinlend.app/app/#/privacy