It's crazy how hard it is to find a good free app of this type. This may not be the best designed or have the most features but I'm giving it all my stars due to the following:
-The ability to add and subtract from a loan and show the payment history. Every other free IOU like app I've tried requires you to settle the whole amount or edit it.
-Not having to create an account for the app.
-Not being forced to select someone from your contact book as the relevant party in the loan.
It's so simple it's great.
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PurposefulPat
