# PactApp - Loan Contracts — Secure loans between friends

> Secure loans between friends (iPhone/iPad app by RS Capital LLC.)

- Source: https://appshunter.io/ios/app/pactapp-loan-contracts/id6760973675 (this page in markdown: same URL + `.md`)
- Developer: [RS Capital LLC](https://appshunter.io/developer/1887101456)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.5 · 115 MB
- Languages: English, French, German, Spanish
- Released: 2026-04-29
- Data updated: 2026-07-08
- User reviews in markdown: https://appshunter.io/ios/app/pactapp-loan-contracts/id6760973675/reviews.md

## What is PactApp?

PactApp — The app that secures personal loans with legally binding digital contracts.

Lending or borrowing money from someone you know? PactApp generates a legally compliant contract, electronically signed by both parties, with built-in repayment tracking. Compliant across 10 countries (FR, DE, ES, IT, PT, BE, LU, CH, UK, US).

CREATE A CONTRACT IN 2 MINUTES
• Enter amount, duration, interest rate (with usury rate verification)
• Choose from templates adapted to your country and situation
• Invite the borrower by email or link — they sign from their phone

SECURE ELECTRONIC SIGNATURE
• eIDAS-compliant signature (advanced level)
• Optional KYC identity verification (ID document + selfie, 100% on-device)
• PAdES-B/T certificate embedded in PDF
• Qualified timestamping and SHA-256 audit trail

REPAYMENT TRACKING
• Payment schedule with automatic reminders
• Payment confirmation by both parties
• Dashboard with remaining balance and next payment
• Complete exportable history

LEGAL PROTECTION
• Contracts compliant with local civil law in 10 countries
• Automatic Cerfa 2062 generation for French tax declarations
• Formal notice and registered electronic letter (AR24)
• 3-level escalation (amicable, formal, pre-litigation)

SECURITY & PRIVACY
• Data hosted in France (EU-West-3 Paris)
• End-to-end encryption
• Full GDPR compliance
• No data resale
• Account deletion directly in-app

REFERRAL
Invite friends with your referral code and unlock up to 2 additional bonus contracts.

PactApp replaces handwritten IOUs with a 100% digital, legal, and traceable process. Protect your relationships AND your money.

— — —
Terms of Use (EULA): https://pactapp.eu/legal/cgu
Privacy Policy: https://pactapp.eu/legal/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Annual | $89.99 | per year |
| Pro | $9.99 | per month |
| Standard Annual | $49.99 | per year |
| Standard | $4.99 | per month |



## Version history (last 5 releases)

### 2.0.0 — 2026-07-07

PactApp gets a fresh new look.

• New design: a fully redesigned interface — smoother and clearer, built to get you to what matters.

• Universal search: from the home screen, instantly find any contract, setting or action (create, export, sign out…).

• Sharper navigation: revamped transitions and instant tab switching, more fluidity everywhere.

• Redesigned home: balance at a glance, contracts in a carousel, next due date and referrals better highlighted.

• Everyday polish: refined screens and placements, a carefully tuned dark mode.

Thank you for your trust. Your feedback shapes PactApp.

### 1.0.4 — 2026-05-14

• Standard and Pro subscriptions now available
• Bug fixes and stability improvements

### 1.0.3 — 2026-05-06

• Streamlined profile with quick Settings access
• Multi-currency support (EUR, GBP, USD, CHF, CAD) across all contracts
• Email notifications now show the loan currency
• Fixes: jurisdiction country, lender details
• Stability improvements

### 1.0.2 — 2026-05-06

PactApp v1.0.2 — quality-of-service overhaul.

CLEARER, MORE UNIVERSAL CONTRACTS
• 13-country legal audit: civil-law references updated for FR, BE, LU, CH, DE, AT, ES, IT, PT, NL, UK, US, IE.
• Belgium: mediation aligned with Judicial Code 1723/1-1737 (2018 law), "Good for" threshold €3,500.
• Italy: usury rate aligned with Banca d'Italia (tasso soglia ≈14%), prevents Art. 1815(2) nullity risk.
• Switzerland: SCSE 2016 (RS 943.03) replaces the obsolete ZertES.
• PDFs now render automatically in the loan country's language (German, Spanish, Italian, Portuguese, English).

ONE-TAP SUBSCRIPTIONS
• Streamlined page, 2 clear plans (Pro recommended / Standard).
• Direct subscription, no intermediate modal.

CRISPER UI
• New vibrant color palette (AAA accessibility validated).
• Improved dark mode: all text readable, no more white-on-white.

PROACTIVE PUSH NOTIFICATIONS
• Payment reminders via push (D-3, D-1, day-D, and D+1 late) — borrower AND lender.
• New automation: "Payment to confirm" sent to the lender as soon as a declared payment stays unconfirmed past 24h.

RELIABLE FINANCIAL CALCULATIONS
• Fixed rendering of in-fine loans (capital repaid at term).
• Amortization schedule verified to the cent.

Thank you for your trust.

### 1.0 — 2026-04-29

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 2026-07-08.*