Situation
I need to borrow money
Borrowing from someone you know can be simpler than borrowing from an institution, but it is still a real commitment. Start with what you can afford, then agree the terms before any money moves.
Start here
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.
Read the answerStart here
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
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
Asking someone
How to ask someone you know for a loan
Explain the amount, the reason and your repayment plan in one clear conversation, and accept a no without pressure.
Practical guide · 4 min read
What should I agree before receiving the money?
Agree the amount, the repayment dates, the instalment size, what happens if a payment is late, and how each repayment is recorded.
Practical guide · 4 min read
Know the limits
Agreeing the terms
Or follow the path: Before You Borrow
Know what you can repay and how to ask clearly.
Open the 6-step pathNeed more help?
KinPay does not lend money, so support cannot arrange funds for you.
1. Search KinPay Learn
Most questions already have an answer here. Search now.
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. Submit a support request
Tell us what you expected and what happened. Open the form.
4. Email support
Write to support@kinpay.me.