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Alex Hey, just a reminder about the $120 from last weekend So sorry, I completely forgot
Henry How much do I owe you again? I think $200 Wait, I thought it was $180 You're right, my bad forgot you gave me that $20
Em now How much do I still owe you from the Europe trip? Kind of lost track
Notes Need to repay: Em (tickets) Priyanka (rent) Alex (dinner)
Remember to pay Oliver back for gas
Reminders Ask Edward when he needs the $40 by
Reminders Remind Saoirse to repay concert tickets (think it was $180?)
Remind Rohan about the $40 he still owes
WhoOwesWhatFromLondonTrip.xlsx Name Paid For Amount Settled? You Hotel $420 Partial Henry Flights $310 No Marcus Dinners $185 No Priya Tickets $95 Yes Total $1,010
53.3333 160 / 3

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Apr 15 7d $150 to Alex
Apr 20 12d $200 from Sam
Owed to you $850
You owe $350
UpcomingFull schedule →
7d
Pay Alex · rent
-$150
2d late
Jordan pays you
+$80
12d
Sam pays you · travel
+$200
Recent ActivityView all →
You paid Alex $150
Apr 1
Received $80 from Jordan
Mar 28
Sam accepted your $200 loan
Mar 25
Sent $200 loan offer to Sam
Mar 24
Received $150 from Alex
Mar 15
Active LendingView all →
AYou lent Alex $600 for rent75%
$450 of $600 paid back
SYou lent Sam $200 for travel0%
$0 of $200 paid back
How April is going
Received$200
of $400 expected
Paid out$150
of $300 expected
Your Loans Over Time
Lending Borrowing Predicted
NovDecJanFebMarApr
Active BorrowingView all →
JJordan lent you $50030%
$150 of $500 repaid

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Your Payments
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Your Payments
at a Glance

Keep track of every upcoming payment in one place, so you never have to chase friends or digging through messages.

April 2026
SMTWTFS
1234 567891011 12131415161718 20212223242526 27282930
Owed to you You owe
OVERDUE 1 payment · $80
3d late
Jordan pays you
due 5th Apr
+$80
NEXT 7 DAYS 2 payments · $230
2d
Pay Alex for rent
due 10th Apr
-$150
5d
Sam pays you
due 13th Apr
+$80
COMING LATER 1 payment · $200
12d
Sam pays you
due 20th Apr
+$200
    1

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    Everything you need to know, in one glance. Stay on top of payments, reminders, and updates without the noise.

    Track Your Loan Progress

    See every loan's status at a glance: payments made, upcoming milestones, and how close you are to being fully repaid.

    Track Your Loan Progress

    See every loan's status at a glance: payments made, upcoming milestones, and how close you are to being fully repaid.

    Borrowed $600 from Jordan for car repairs
    Apr 8 3d
    $150.00 to Jordan
    Loan Amount
    $600
    Interest
    0%
    Period
    4 months
    Payment
    $150/mo
    Payment Progress
    65% repaid

    $390.00 of $600.00

    Payment History
    $1$1$0
    P1 P2 P3 P4
    Completed
    Expected
    Promissory Note Amortization Schedule Loan Summary
    Activity
    Loan createdJan 8
    Both parties signedJan 8
    Payment 1 completed ($150)Feb 8
    Payment 2 completed ($150)Mar 8
    Partial payment ($90)Apr 3
    Payments
    1

    Payment 1: $150.00

    Paid: $150.00

    Completed
    2

    Payment 2: $150.00

    Paid: $150.00

    Completed
    3

    Payment 3: $150.00

    Paid: $90.00

    Remaining: $60.00

    Partial
    4

    Payment 4: $150.00

    Due: May 8, 2026

    Upcoming
    Loan Progress
    Total Owed
    $600.00
    Amount Paid
    $390.00
    Payments Made
    2/4
    full payments
    Monthly
    $150.00
    to Jordan

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    That Protect Everyone

    Set your terms once and Vony generates a clear, binding loan contract for both sides. No awkward conversations, no guesswork.

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    $300.00

    The lender agrees to lend Maya Chen $300.00 before May 1, 2026 at an interest rate of 0%. The loan will be repaid over 3 months in monthly payments of $100.00. Payments will be due on the 5th at 9:00 AM EST, with the first of the 3 payments due on Jun 5, 2026 and the last payment due on Aug 5, 2026.

    Terms of Repayment
    Total Amount Due: $300.00
    Interest Rate: 0%
    Payment: $100.00 monthly
    Term: 3 months
    Borrower
    Maya Chen
    Signed May 1, 2026
    Lender
    Rachel Kim
    Signed May 1, 2026

    Trusted by friends, families
    and communities everywhere

    1
    Priya
    Student

    Lent my roommate $300 for rent. Vony made it so simple. She got a schedule, I got updates. No awkward conversations needed.

    2
    Marcus
    Software Engineer

    I lend to family a lot. Having real contracts changes everything. No more "I thought we said..." moments. It's all there in writing.

    3
    Lily
    Student

    My brother needed help with tuition. Now we have a real agreement and automatic reminders. Zero drama. It actually brought us closer.

    4
    Theo
    Student

    Split a group trip with 6 friends using Vony. Everyone knew what they owed and could pay at their own pace. Way better than spreadsheets.

    5
    Zoe
    Researcher

    Was nervous asking my best friend to sign a contract. But Vony makes it feel normal, not transactional. Clean interface, doesn't feel like a bank.

    6
    Sam
    Teacher

    Lent a coworker money for car repairs. The smart interest feature is great, fair for both of us. Got paid back on time, no weirdness at work.

    "We're building a future where lending between friends is simple, transparent, and trust-first."
    Anya von Diessl signature
    Anya von Diessl
    Founder and CEO of Vony
    Read our story  →