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Situation

I want to learn about money

Borrowing, lending and repayment are life skills. These lessons stay useful even if you never open the KinPay app.

Start here

Money basics

What is a private financial agreement?

It is an arrangement between two people setting out how much is lent, when it is repaid and what happens if plans change.

Read the answer

Foundations

Money basics

What is a private financial agreement?

It is an arrangement between two people setting out how much is lent, when it is repaid and what happens if plans change.

Financial explainer · 4 min read

Money basics

Why should two people use a written agreement?

Because memory is unreliable and money changes relationships. Written terms give both people the same reference point.

Financial explainer · 3 min read

Borrowing

Before you borrow

What should I consider before borrowing money?

Be clear about why you need the money, how much you really need, and exactly how and when you will repay it.

Practical guide · 5 min read

Before you borrow

How much can I afford to repay?

Take your reliable income, subtract essential costs and existing commitments, then only commit part of what is left.

Practical guide · 5 min read

Lending

Before you lend

What should I consider before lending money?

Only lend an amount you could manage without, and agree the terms in writing before the money moves.

Practical guide · 5 min read

Before you lend

What are the risks of lending to someone you know?

The main risks are late or missing repayment, awkwardness in the relationship, and unclear terms that neither person remembers the same way.

Financial explainer · 4 min read

Relationships

Money and relationships

Why clear terms protect relationships

Clear terms mean neither person has to guess what was meant, so a difficult month becomes a practical problem instead of a personal one.

Financial explainer · 3 min read

Agreements

Agreements

What should a private loan agreement include?

At minimum: the amount, the repayment dates and instalments, what happens if a payment is late, and confirmation from both people.

Practical guide · 5 min read

Staying safe

Safety

How to recognise a loan scam

Be suspicious of anyone you do not know who offers you a loan, asks for an upfront fee, or pressures you to act quickly.

Safety notice · 4 min read

Or follow the path: Before You Borrow

Know what you can repay and how to ask clearly.

Open the 6-step path

Need more help?

These guides are educational and are not financial or legal advice.

  1. 1. Search KinPay Learn

    Most questions already have an answer here. Search now.

  2. 2. Use Help inside KinPay

    For anything about your own account, open KinPay and use Help in the top-right corner. Where available it attaches the screen you were on.

  3. 3. Submit a support request

    Tell us what you expected and what happened. Open the form.

  4. 4. Email support

    Write to support@kinpay.me.