# Kinlend — Track a loan you both trust

> Personal loan agreement and payment tracking tool for trusted individuals. (iPhone/iPad app by Anthony Coby.)

- Source: https://appshunter.io/ios/app/kinlend/id6786522549 (this page in markdown: same URL + `.md`)
- Developer: [Anthony Coby](https://appshunter.io/developer/6786522551)
- Category: Productivity, Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 3 App Store ratings · 2 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.0 · 7 MB
- Languages: American English
- Released: 2026-07-13
- Data updated: 2026-11-05
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/kinlend/id6786522549/reviews.md

## What is 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

## Key features

- Plain-language loan agreements
- Digital signing
- Customizable payment schedules
- Interest-free loan option
- Payment tracking
- Optional payment reminders

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Manual tracking | $4.99 | per month |
| Contract | $0.99 | per month |


## Is Kinlend safe?

Not enough ratings yet to assess Kinlend.

## Is Kinlend legit?

Kinlend appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Kinlend is 65 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/kinlend/id6786522549/reviews.md

### 5/5 — This is awesome

*2026-07-30, version 1.0.1*

Great way to keep relationships and accountability on a good standing.

### 5/5 — The best 🙌

*2026-07-14, version 1.0*

The best way to keep it simple within the family! Couldn’t have made a better app!!!

## Frequently asked questions about Kinlend

### Does Kinlend have ads?

No, Kinlend does not contain advertisements. The app is free to download and use, with optional in-app purchases for advanced features.

### What is the pricing for Kinlend subscriptions?

Kinlend offers two optional subscriptions: Contract for $0.99/month and Manual tracking for $4.99/month. Both are auto-renewing 1-month subscriptions that can be canceled anytime in your App Store account settings.

### What is the age rating for Kinlend?

Kinlend has an age rating of 17+. This is likely due to the financial nature of the app and its focus on loan agreements.

### How often is Kinlend updated?

The latest version of Kinlend was released on November 3, 2026. The app is updated regularly to ensure reliability and introduce new features.

### What devices does Kinlend support?

Kinlend is available for iPhone and iPod devices. It is designed to be accessible on these Apple mobile platforms.

### Can I track multiple loans with Kinlend?

Yes, one Kinlend subscription covers all of your loans. This allows you to manage multiple personal loan agreements and their repayment schedules through a single account.

### What are the limitations on loans tracked by Kinlend?

Loans tracked by Kinlend must be scheduled to run for more than 60 days. The annual interest rate, including any fees, is capped at 36% APR.

### Does Kinlend handle money transfers?

No, Kinlend is a tool for agreement and tracking only; it is not a lender. No money ever moves through the app; all cash transactions occur directly between the individuals involved.

## Version history (last 5 releases)

### 1.1.2 — 2026-11-03

A warmer, clearer Kinlend.

Home now leads with the number that matters most to you, and every loan shows its progress and its one next step at a glance.

Save your loan agreement, a paid-in-full receipt, or a statement of every loan as a PDF, ready to keep, print or share. Settings also lets you download every payment as a spreadsheet, or all of your loan records as data.

Coming back to the app now shows the latest without a refresh, and a weak connection no longer leaves a button stuck.

Paying someone back is clearer. The Venmo and Cash App buttons open on the right person with the amount copied, ready to paste. If they have not added an account yet, you can add it yourself and it works straight away.

Ready for iOS 27 and iPhone Duo, with the same simple navigation whether your phone is folded or open.

### 1.1.1 — 2026-09-09

Getting paid back is the part that has to work, so that is what this release fixes.

Venmo and Cash App now open the app itself, with the amount and the right person already filled in, instead of dropping you on a web page that does not know who you meant.

Invitations hold on to where you were going. If you open an invitation and need an account first, confirming your email now brings you back to that loan instead of to an empty home screen.

Fixed: Kinlend sometimes said the other person had not added a way to be paid when they already had. On loans the borrower set up, it could also let the wrong person decide where the money goes.

Fixed: a payment handle you deleted could quietly come back. What you save now wins over anything typed on the original form.

Fixed: entering more than an installment actually owes no longer marks it settled and drops the difference without telling you.

Asking someone to add their Venmo or Cash App now tells you whether it actually sent.

### 1.1.0 — 2026-09-01

Sign in with Apple and Sign in with Google. Getting into Kinlend now takes one tap, with no waiting on an email.

A sign-in link tapped on your iPhone opens the app and signs you in, instead of leaving you in the browser.

Venmo and Cash App buttons are now always there on a payment. Add where you get paid in Settings, and it applies to every loan you lend on, including ones you already have. Each loan also has its own settings if you use a different account for it.

Fixed a crash when attaching a photo of a receipt to a payment.

### 1.0.1 — 2026-07-14

Small under-the-hood improvements. Your loans, agreements, and payment reminders keep working exactly as before.

### 1.0 — 2026-07-13

No release notes.

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## More apps by Anthony Coby

- [Ledger: Split & Settle Up](https://appshunter.io/ios/app/ledger-split-and-settle-up/id6786803415)
- [Classic Source](https://appshunter.io/ios/app/classic-source/id6799511449)

All apps by Anthony Coby: https://appshunter.io/developer/6786522551

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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 2026-11-05.*