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Before you borrow

What should I agree before receiving the money?

Amount, dates, instalments, what happens if you are late, and how repayments are recorded.

4 min readPractical guideUpdated 2026-06-15

The short answer

Agree the amount, the repayment dates, the instalment size, what happens if a payment is late, and how each repayment is recorded.

Agree these before the money moves

  • The exact amount.
  • The date the money will be sent.
  • The repayment dates and instalment size.
  • What happens if a payment will be late.
  • How each repayment is recorded and confirmed.

KinPay tip

Agreeing the late-payment plan in advance is the part people skip and later wish they had not.

Key takeaway

Agree the amount, the repayment dates, the instalment size, what happens if a payment is late, and how each repayment is recorded.

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