# VyajPay: Loan Tracker & Ledger — Interest, due dates & receipts > Digital loan tracker and lending ledger for managing loans, payments, and interest. (iPhone/iPad app by Vijaysinh Zala.) - Source: https://appshunter.io/ios/app/vyajpay-loan-tracker-and-ledger/id6756029709 (this page in markdown: same URL + `.md`) - Developer: [Vijaysinh Zala](https://appshunter.io/developer/1857421891) - Category: Business, Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 109 MB - Languages: American English, Gujarati, Hindi (Latin) - Released: 2025-12-23 - Data updated: 2026-11-09 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/vyajpay-loan-tracker-and-ledger/id6756029709/reviews.md ## What is VyajPay? VyajPay is a loan tracker and lending ledger for anyone who lends money: to friends and family, to employees, or to customers of a small business. Replace notebooks and spreadsheets with one clear ledger. Record every loan, payment and balance, let VyajPay work out the interest, and see who owes what at a glance. Loan & Interest Ledger Interest-only, fixed-installment, reducing-balance and daily-collection loans. VyajPay works out interest and every due date, and shows exactly what is due today. Record Payments in Seconds See where each payment goes and what is left before you save. Every borrower's history is on one page. Know Who Is Late Overdue loans grouped by how many days late, with Call and WhatsApp on every row. Collateral You Hold Record anything held against a loan: gold, silver, vehicles, phones and electronics, land and property papers, documents and more, with photos, value, details and a return-by date. Each item has its own page (Pro). Customer Ledger Keep a running ledger for every customer: what you'll get, what you'll give, and the balance. Receipts & Loan Cards Share a receipt for every payment, or print a one-page A4 loan card with the full schedule and signature lines. Reports Statements, collections, overdue and profit reports. Export to PDF or Excel and share in one tap. Safe & Private App lock, secure cloud backup and sync across your phones. Works Offline Add entries without internet; everything syncs when you're back online. Perfect for: • Private lenders and small lending businesses • Landlords and employers who lend to tenants or staff • Anyone lending to friends or family who wants clear records VyajPay is free to start with up to 5 borrowers and 5 customers. VyajPay Pro (3-day free trial) adds unlimited borrowers, the daily due list on WhatsApp, the Digital Locker, collateral records and more. No ads. Important: VyajPay is only a bookkeeping and record-keeping app. VyajPay does not provide loans, credit, loan applications, loan matching, payments, banking, underwriting, collection services or financial advice. Questions or suggestions? Reach us at contact@vyajpay.com. We read everything and reply fast. Privacy Policy: https://vyajpay.com/privacy-policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://vyajpay.com/contact ## Key features - Loan and interest tracking - Payment recording - Overdue loan alerts - Collateral management - Customer ledger - Receipt and loan card sharing - Exportable reports ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | VyajPay Pro Monthly | $9.99 | per month | | VyajPay Pro Yearly | $59.99 | per year | ## Is VyajPay safe? Not enough ratings yet to assess VyajPay. ## Is VyajPay legit? VyajPay: Loan Tracker & Ledger has limited verification signals. The AppsHunter Legitimacy Score for VyajPay is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/vyajpay-loan-tracker-and-ledger/id6756029709/reviews.md ### 5/5 — Most useful for my daily tracking of loans *2026-10-23* Vyajpay is trusted app, it provides best way to manage all my loans with reports and timely tracking. It also helps in providing reminder through WhatsApp. The UI is very user friendly and easy to navigate. Highly recommended. ### 5/5 — Gajanan imaging press *2026-09-12* I really like the the app its very useful for my personal use wonderful app never seen this type of app for my all calculations easy to use and understand ### 5/5 — nice app *2026-05-27* nice app ### 5/5 — Best Loan and khata tracking app *2026-05-17* I’ve been using Vyajpay for few weeks now to mange my borrower and it’s made tracking loans and repayments super easy. The offline-first approach is perfect for my business I can check and update ledgers even without Internet. The WhatsApp reminder ensure I never miss any collection date. UI is clean and easy to use ### 5/5 — Professional & Trustworthy *2025-12-29* VyajPay is an excellent app for lenders to manage borrowers, loans, and khata digitally. The interface is clean, reports are detailed, and features like PDF/Excel export and WhatsApp reminders make daily tracking effortless. It has significantly reduced manual work for me. Highly recommended for small and medium lenders. ### 5/5 — Best app for lenders *2025-12-24* This is the best app which I found out of all ledger apps. Features digital locker option, WhatsApp reminders , cloud backup and no ads that’s also without any subscription is the best one could ask for!! Highly recommend!! ## Frequently asked questions about VyajPay ### What is VyajPay? VyajPay is a bookkeeping and record-keeping app designed to help users track loans, payments, and interest. It replaces manual methods like notebooks and spreadsheets with a clear digital ledger. ### Does VyajPay have ads? Yes, VyajPay contains advertisements. The app is free to start with limitations, and offers a Pro version for enhanced features. ### What types of loans can VyajPay track? VyajPay can track interest-only, fixed-installment, reducing-balance, and daily-collection loans. It automatically calculates interest and due dates for each loan type. ### Can I manage collateral with VyajPay? Yes, VyajPay Pro allows you to record collateral held against a loan, including photos, value, and details. This feature is available for items like gold, vehicles, and property papers. ### What are the subscription options for VyajPay Pro? VyajPay Pro offers a monthly subscription for $9.99 and a yearly subscription for $59.99. Both plans include a 3-day free trial. ### Is VyajPay available on all devices? VyajPay is currently supported on iPhone and iPad devices. It is designed to work offline and syncs data when an internet connection is available. ### How often is VyajPay updated? The latest version of VyajPay is 1.3.5, which was last updated on November 4, 2026. Updates typically include new features and improvements based on user feedback. ### What kind of reports can I generate with VyajPay? VyajPay can generate statements, collections, overdue, and profit reports. These reports can be exported to PDF or Excel formats for easy sharing. ## Version history (last 5 releases) ### 1.3.5 — 2026-11-04 Fixes and improvements to keep VyajPay fast and secure. ### 1.3.4 — 2026-11-02 • A redesigned loan page: outstanding, interest and next due date at a glance • Payments split live as you type, before you save • Overdue loans grouped by days late • One-page loan cards and receipts • No ads • Fixes and speed improvements ### 1.3.3 — 2026-10-20 What's new in 1.3.3 • Business settings: one default interest rate for all your loans, set right on the page • Simple late fees: "₹X when a payment is D days late, again every N days". Set it once for your business, with exceptions for chosen borrowers • Late fees, waivers and write-offs now show in the loan's payment history and on the borrower's loan card • Business Profit can show loans written off and late fees waived (turn it on in Business settings) • New Passbook style for loan cards • Wallet reports can split each payment into principal, interest and late fee • Documents now print only your Bill No. • How to use VyajPay: short video guides in Profile → Help & account • Ledger sync and Messaging on the customer page too ### 1.3.2 — 2026-10-09 What's new in 1.3.2 • Pre-close a loan: settle and close a loan early, with or without the remaining interest • Expenses & Profit report: loan income minus office expenses • Save your signature once and use it on loan documents • Hide interest on shared statements and loan cards • Pick any first payment date from a full calendar • When a borrower's payment claim matches your entry, you choose how to save it • Staff collections are saved on the actual collection day • More reliable sync across devices • Correct amounts for JPY, KRW, VND and CLP ### 1.3.1 — 2026-09-29 What's new in 1.3.1 • Your documents on every device: customer photos, documents, proofs and signatures now appear on all your devices after you sign in. • Interest after a part-payment: choose whether interest follows the new balance or keeps your custom amount. The record's detail page shows which one applies. • Fees: choose how a fee counts (income, expense or just a note) and see it in reports, statements and exports. • Today's follow-ups: export the list as a PDF (Pro). • Invite friends from Settings. • Delete your account from Settings. You have 30 days to change your mind. • Reminder times now in 15-minute steps. • New personal profile page. • Fixes: the "Get timely reminders" prompt no longer repeats, linked khata status updates live, and many smaller sync fixes. Note: if a customer photo you removed in an older version comes back, remove it once more. ## Apps similar to VyajPay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Suljhaoo: Retail OS for Bharat](https://appshunter.io/ios/app/suljhaoo-retail-os-for-bharat/id6784834137) | — | Free | Business | | [Daily Book: Bill Diary](https://appshunter.io/ios/app/daily-book-bill-diary/id6777373756) | — | Free | Business | | [Credit Ledger Book](https://appshunter.io/ios/app/credit-ledger-book/id6754837299) | — | Free | Business | --- *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 2026-11-09.*