Lendey

Every loan, every payment, in one book.

Lendees, loans, schedules, today's collections and every payment, kept on your phone. No account, no server.

Coming soon to the App Store

Coming soon to Google Play

For iPhone with iOS 18 or later. Some features need Lendey Pro.For Android 10 or later.

Lendey's Home screen: ₱93,645.74 outstanding across 6 active loans and 5 lendees, ₱3,169.99 due today, ₱5,494 overdue, and a Needs attention list led by Grace Villanueva's custom loan, 10 days overdue.
Lendey's Home screen on Android: Good morning, Lito, with ₱93,645.74 outstanding across 6 active loans and 5 lendees, ₱3,169.99 due today, ₱5,494 overdue, and a Needs attention list led by Grace Villanueva's custom loan, 10 days overdue.
Record payment for Marites Bautista: ₱2,332 received, ₱11,000 left outstanding, applied to installment 5 of 10 as a ₱132 penalty, ₱200 interest and ₱2,000 principal.
Record payment for Marites Bautista: ₱2,332 received, ₱11,000 left outstanding, applied to installment 5 of 10 as a ₱132 penalty, ₱200 interest and ₱2,000 principal.

How it works

Lend, collect, see where you stand.

  1. Add a lendee and a loan

    A name, a mobile number, the amount and the terms. The schedule is ready when you save.

  2. Record each payment

    Enter what came in. Lendey applies it to what's owed, or you choose where it goes.

  3. Know your book

    Balances, late payments and reports stay current without a formula in sight.

Collect

Know who's due today

Overdue, due today and upcoming, each with its total. Collect, take a promise to pay, call or text the lendee from the same row.

A calendar shows the rest of the month's collections.

Collect for Saturday, 14 November: ₱3,169.99 due today from Marites Bautista and Joel Ramirez, each with Collect, Promise, Call and Message buttons.
Collect for Saturday, 14 November: ₱3,169.99 due today from Marites Bautista and Joel Ramirez, each with Collect, Promise, Call and Message buttons.

The essentials

Everyone you lend to, every loan they have, and a receipt for every payment.

  • Marites Bautista's profile: ₱20,731.96 outstanding, ₱2,332 overdue, ₱18,050.04 paid and a Fair score of 75, with a cash loan 6 days overdue and an item loan due today.
    Marites Bautista's profile: ₱20,731.96 outstanding, ₱2,332 overdue, ₱18,050.04 paid and a Fair score of 75, with a cash loan 6 days overdue and an item loan due today.

    Everyone you lend to

    Contact details, ID and notes, with every loan they have and what's outstanding, overdue and paid.

  • Cash loan LN-1001: ₱13,332 outstanding, 4 of 10 installments paid, 6 days overdue, with the schedule showing installments 1 to 3 paid at ₱2,200 each.
    Cash loan LN-1001: ₱13,332 outstanding, 4 of 10 installments paid, 6 days overdue, with the schedule showing installments 1 to 4 paid at ₱2,200 each.

    A schedule for every loan

    Cash, an item, a credit card purchase or your own terms. The installments are worked out when you save.

  • Payment received: ₱1,466.68 from Dennis, receipt RC-2427, applied to installment 1 of LN-1007, with buttons to void or correct the payment and to share the receipt.
    Payment received: ₱1,466.68 from Dennis, receipt RC-2427, applied to installment 1 of LN-1007, with buttons to void or correct the payment and to share the receipt.

    A receipt for every payment

    Share it with the lendee if they want a copy, or correct a payment entered wrong.

Everything else

Where your capital is, who pays on time, and every promise to pay.

  • Capital: ₱194,251.66 in total, ₱82,954.40 lent out and ₱111,297.26 idle at 43% utilisation, with ₱185,000 contributed and ₱9,251.66 income realised.
    Capital: ₱194,251.66 in total, ₱82,954.40 lent out and ₱111,297.26 idle at 43% utilisation, with ₱185,000 contributed and ₱9,251.66 income realised.

    Know where your capital is Pro

    What you've put in, what's lent out, what's sitting idle, and the income it has earned.

  • Payment score: every lendee ranked by installment history, from Andrea Salazar at 100, 2 of 2 on time, down to Grace Villanueva at 55, 5 of 6 on time.
    Payment score: every lendee ranked by installment history, from Andrea Salazar at 100, 2 of 2 on time, down to Grace Villanueva at 55, 5 of 6 on time.

    See who pays on time Pro

    Each lendee ranked by their installment history. The score is advice: Lendey never blocks a loan.

  • Promises to pay: ₱1,500 open, ₱2,300 broken and 1 of 2 kept in the last 30 days, with Marites Bautista's ₱1,500 promise for 17 November still open.
    Promises to pay: ₱1,500 open, ₱2,300 broken and 1 of 2 kept in the last 30 days, with Marites Bautista's ₱1,500 promise for 17 November still open.

    Hold people to their word

    Record a promise to pay and its date. Lendey flags it when it's broken.

On iPhone, Capital, the Payment score ranking, earlier months in Reports and Export are part of Lendey Pro.

Privacy

Your book stays with you

Lendey has no account and no server of its own. Your lendees, loans and payments are kept on your phone, and the people in them stay with you.

  • A PIN lock, with Face ID or Touch IDyour fingerprint.
  • Receipts and exports leave your phone only when you share them.
  • Texts are yours to send. Message opens a draft in your messaging app; Lendey sends nothing itself.

iPhone privacy policy Android privacy policy

What Lendey doesn't have

Accounts to sign up for
0
Servers of its own
0
Analytics or ads
0
Copies of your book sent to the developer
0