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".
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.
Be generous. Stay square.
Download PayMeLater and lend without the mental arithmetic — the record keeps itself.
Free to download · multi-currency · no ads, ever