# IOU 아이오유 - 차용증 간편 작성

> Simple and secure loan agreement creation and management service. (iPhone/iPad app by Three KJ Co., Ltd.)

- Source: https://appshunter.io/ios/app/iou/id6737295602 (this page in markdown: same URL + `.md`)
- Developer: [Three KJ Co., Ltd](https://appshunter.io/developer/1739707519)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 2 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.6 · 3 MB
- Languages: Korean
- Released: 2024-12-16
- Data updated: 2026-09-08
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/iou/id6737295602/reviews.md

## What is IOU 아이오유?

간편하고 안전한 차용증 작성 서비스 IOU(아이오유)

차용증 작성, 어렵지 않아요!  
이제는 앱으로 간단하게 차용증을 작성하고, 필요한 모든 법적 요건을 충족하세요.
누구나 쉽게 이용할 수 있는 직관적인 인터페이스로, 쉽고 안전하게 계약을 기록할 수 있습니다.

@상환알림 서비스
아차! 깜박했다? 
이제 IOU가 상환일이 다가오면 문자로 알람을 보내드립니다.
잊지말고 갚아주세요~

@내용증명 서비스
때로는 엄격하게!
채무자에게 내용증명을 보내야 한다면 내용증명 기능으로 손쉽게 서류를 만들어보세요.
법무법인에게 대리 발송을 요청하실 수도 있습니다.

@법률상담 서비스
도저히 혼자서는 안되겠어!
법적 도움이 필요하시면 상담을 신청해주세요.
전문 변호사가 직접 상담해 드립니다.

@차용증 만들기 절차
1) 본인인증으로 회원가입
2) 차용증 작성을 위한 티켓 구매 (월정액 무제한 서비스 가능)
3) 거래 상대방에게 차용증 전송
4) 상대방 동의 후 차용 내용 안전 보관

 약관 
 - 이용약관 : https://iouapp.me/app/page-policy-app.php?co_id=provision
 - 개인정보처리방침 : https://iouapp.me/app/page-policy-app.php?co_id=privacy

## Key features

- Loan agreement creation
- Repayment reminders
- Certified mail service
- Legal consultation access
- Secure contract storage
- Intuitive interface

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 10장 | $19.99 | one-time |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/iou/id6737295602/reviews.md

### 5/5 — 차용증

*2026-02-05*

사용이 간편하고 생각보다 유용해요! 강추!

### 5/5 — 리뷰

*2025-01-16*

급할때 유용했습니다.

## Frequently asked questions about IOU 아이오유

### How do I create a loan agreement with IOU?

To create a loan agreement, you first need to sign up with personal verification. Then, purchase a ticket for loan agreement creation (unlimited monthly service is available). Finally, send the agreement to the other party for their consent and secure storage.

### Does IOU offer repayment reminders?

Yes, IOU provides a repayment reminder service. It will send you a text message alert when the repayment date is approaching, helping you avoid forgetting payments.

### Can I send certified mail through IOU?

Yes, IOU offers a certified mail service. You can easily create documents for sending certified mail to the debtor, and you can also request proxy sending through a law firm.

### Is legal consultation available through IOU?

Yes, if you require legal assistance, you can apply for a consultation through IOU. Professional lawyers will provide direct consultations to help you with your legal needs.

### What is the pricing for IOU's services?

IOU is free to download and use. However, creating loan agreements requires purchasing tickets, with an option for a monthly subscription for unlimited use. Specific pricing for tickets and subscriptions is available within the app.

### Is IOU safe to use for financial agreements?

IOU is designed to be a simple and secure loan agreement creation service. It ensures that all legal requirements are met and securely stores your contract details after the other party's consent.

### What devices does IOU support?

IOU is available on iPhone and iPad, as indicated by its supported devices list. The app is designed for iOS users.

### How often is IOU updated?

IOU was last updated on December 26, 2024, with version 1.1. This indicates that the app receives regular updates to improve its features and reliability.

## Version history (last 2 releases)

### 1.1 — 2024-12-26

앱 이름 변경

### 1.0 — 2024-12-17

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*