A little help. A clear plan.
Keep money friendly.
Lend to a friend. Borrow when you need to. Both of you see the amount, the payments, and what’s still left.
Good friends. Clear details.
Helping is easy. Remembering the terms is the awkward part.
You’re happy to help. The weird part is “when do you need it back?” and then pretending you both remember.
owdme keeps the amount, the monthly payment, and every payment that has been confirmed. Interest can be none, simple, or amortized.
Less guesswork. More “I’ve got you.”
A simple way to be clear
From “could you spot me?” to “we’re settled.”
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01
Write down the help.
Who lent, who borrowed, and what it was for. Concert tickets, a repair, a weekend.
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02
Agree on the payment.
A monthly amount you both already said yes to. The balance sits next to it.
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03
Log it. Then confirm it.
The person who owes records the payment. It stays pending until a lender confirms it.
Same page
The loan should not live in a text thread.
Invite the other person onto it. Co-lenders can share a book. The next time someone needs a hand, you already know each other here.
Open owdme.appA few good questions
Let’s clear things up.
What is owdme?
A shared record for a personal loan between people who know each other. The amount, the plan, and the payments.
Is this for lending or borrowing?
Both. Each of you sees the same loan. One side can be lending, the other borrowing, sometimes both.
Does a payment count as soon as it’s logged?
No. It stays pending until a lender confirms it. Then the balance moves.
Does owdme move the money?
No. You pay each other the way you already do. owdme is the record you both can check.
How do you say it?
Owed me.
A little help goes a long way.