Lend to friends. Keep the friendship.
Money between friends goes wrong when nobody wrote anything down. PayMeLater keeps a fair, dated record of what you lend — so generosity doesn’t need a spreadsheet or a lawyer.
A record that is fair to both of you
The awkward part of lending money isn’t the lending — it’s the remembering. When every loan has an amount, a reason, a date and a visible history of changes, neither of you has to rely on memory, and neither of you can be accused of rewriting it.
Lend in dollars, settle in pounds
Friends abroad, holidays, split flights — lending rarely stays in one currency. PayMeLater converts at the day’s live rate and pins that rate to the entry forever, so the maths is never a debate.
Paid back in their own sweet time
Lending to a friend shouldn’t come with a repayment schedule. There are no reminders and no deadlines — just a clear record that means the money is never forgotten, even when it isn’t mentioned.
Questions, answered
Should I keep a record when I lend money to a friend?
Yes — a written record protects the friendship, not just the money. Memory fades and gets debated; a dated entry with a reason doesn’t. PayMeLater keeps that record for both of you without making it formal or awkward.
Can I track a loan to a friend in another currency?
Yes. Lend $120 and PayMeLater converts it at that day’s live rate — the rate and date are stored with the entry, so there is never an argument about what the exchange rate "was".
Read the guide →What if my friend disputes what they owe?
Every entry keeps its reason, its date and a full history of any edits. Instead of memory against memory, you both look at the same record — which is usually the end of the dispute.
How the change history works →Be generous. Stay square.
Download PayMeLater and lend without the mental arithmetic — the record keeps itself.
Free to download · multi-currency · no ads, ever
Track money owed
See everyone who owes you money in one place — without the chasing.
Read more →IOU tracker
Track IOUs with the reason, the date and every change on the record.
Read more →Money between friends: the guide
The complete guide to IOUs, lending, paying people back and splitting fairly.
Read more →Is It OK to Remind a Friend They Owe You Money?
Short answer: yes. When a reminder is fair, how long to wait, when to let a debt go — and why a shared record makes the whole question easier.
Read the post →How to Ask a Friend to Pay You Back (Without Making It Weird)
Scripts, timing and etiquette for reminding a friend they owe you money — and how to make the ask feel like housekeeping instead of a confrontation.
Read the post →How to Split Rent with Roommates Fairly
Even split, by room size, or by income? The three fair ways to divide rent, a trick for pricing unequal rooms — and how to handle the shared costs that aren't rent.
Read the post →