Kinlend vs Loanly App

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

Loanly is the simple way to keep track of what you've lent out and what you've borrowed, so nothing gets lost, forgotten, or awkward to ask about. WHAT IT DOES • Set a due date and get a reminder when it's time to get it back • See everything active at a glance, with overdue items flagged first • Keep a history of everything once it's returned YOUR DATA STAYS YOURS Loanly doesn't have accounts, logins, or a server. Everything you enter is stored only on your device — nobody else can see it, and we can't either. Reminders are scheduled locally on your phone, not through any push notification service. BACK IT UP, YOUR WAY Export your data to a file anytime and save it wherever you like — Files, iCloud Drive, Google Drive, email, it's up to you. Restore it on the same device, or a new one, whenever you need to. No ads. No tracking. No account required. Just a straightforward way to keep track of who has what.