Everything you need to lend or borrow with people you love.
A walk through every screen and every safeguard. Built for the awkward conversations, so you don't have to have them.
Verified circles only — no strangers
Both sides confirm every payment
Designed for the people in your phone
Ask for what you actually need.
Set the amount, the timeframe, and what you'd accept on interest. Keep it private to one person, share it with a few, or open it to your whole circle.
- Clear amount, purpose, and deadline
- Pick 3, 6, 12 month terms — or set your own
- Visibility you control: 1 person, group, or network
New request
Amount needed
$1,200
Max interest
5.0%
Frequency
Monthly
One request. Many friends. No awkward splits.
Lenders can each cover a slice on their own terms. Your request gets funded as offers come in. You pick the combination you want.
- Each lender sets their own amount and rate
- Auto-decline once your goal is funded
- Mix family interest-free with friends at fair rates
Loan request
Course fees, Sept term
3 friends offered to fund
Funded $1,200 / $1,200
Mum
· Family$600 · 0% · 6mo
Priya R.
· Friend$400 · 4% · 6mo
Tom W.
· Cousin$200 · 5% · 12mo
Define rules everyone agrees to.
Choose monthly, quarterly, yearly, one-shot final, or even random deposits. Set 0% if you want, or a fair number that beats the bank for both of you.
- Interest from 0% to whatever you both agree
- Monthly, quarterly, yearly, or final repayment
- Lock dates so nobody is left guessing
Win–win calculator
$1,000 · 12 mo · 6%
Lender wins
+$60
vs $45 in savings
Borrower wins
−$190
vs 22% bank loan
Net better than the bank
$250
Every payment confirmed by both sides.
Borrower marks paid. Lender confirms. Kindo recalculates the balance, interest split, and what's left. No spreadsheets. No memory games.
- Two-tap confirm flow
- Auto-calculated principal vs interest
- Reminders before each due date
Loan with Mum
$660 / $1,200
Repaid
$660
Remaining
$540
Next
12 Apr
$220
Confirmed by lender
$220
Confirmed by lender
$220
Awaiting confirmation
See your money. Beat the bank.
Your dashboard tells you exactly how much you have out, how much is coming back, and how much extra you're earning compared to leaving it in a regular savings account — in any currency.
- Live exposure across every borrower
- Projected return vs a savings benchmark in your currency
- Works globally — USD, EUR, GBP, INR and more
Active exposure
$4,820
across 5 loans
vs savings benchmark (4%)
+$89.40
extra this year
Avg. rate
5.8%
Repaid
$1,940
On time
100%
Next payment
3 days
Online with Stripe. Or offline. Your call.
Pay through Kindo and we record it for you. Prefer to send a bank transfer? Tick a box, and the borrower marks paid. Either way, both sides have to agree.
- Stripe-powered online transfers
- Offline settlement with mutual confirm
- Admin mediation if there's a dispute
Settlement method
How you'll move the money
Online · Stripe transfer
Auto-record. Fee 1.4%.
Offline · Bank transfer
Self-record. No fee.
Both parties confirm every payment
No surprise charges. Either side can flag a discrepancy and an admin steps in.
Next reminder
12 Apr · 09:00
Friends and family — no strangers.
Invite anyone in your life by email. They get onboarded with one tap. Borrow only from people you actually know. Keep it human.
- Email invites that double as connection requests
- Label relationships: family, friend, cousin
- Never see strangers. Ever.
Your circle
12 connected · 3 pending
Invite someone
Mum
Family
Priya R.
Friend
Tom W.
Cousin
alex@uni.ac.uk
Email invite
Two stars. One trustworthy you.
Build a separate rating as a lender and as a borrower. Reviews after every loan. Verified profiles. The more you use Kindo, the more your circle trusts you.
- Independent lender and borrower scores
- Verified email and ID badges
- Visible to anyone you transact with
Jamie S.
Member since Jan 2026 · 14 loans
As lender
4.9
8 reviews
As borrower
5.0
6 reviews
Priya R.
Paid every instalment ahead of time. Total trust.
Mum
Kept the agreement clean. Made it easy.
Email and ID verified
Ready to make your next ask easy?
One account. Lend, borrow, and keep your relationships clean.