PayPact App lets you create formal loan agreements with anyone — friends, family, or your network. Custom interest rates, automatic payment tracking, and a trust score that proves you keep your word.
Custom rates. Transparent fees. Your reputation, built by you.
No hidden fees. No predatory tips. You set the terms. PayPact App is built for people who want a fair deal — not a platform that profits every time you borrow.
Custom interest rates that work for both parties — not a platform-enforced tip model that inflates your effective cost.
Exact monthly payment shown before either party commits. No hidden fees buried in "tips" or processing charges.
Built on real repayment history, not social connections. Your score reflects actual on-time payments across all pacts.
Record it. Set terms — weekly payments, 0% interest, done in 3 months. Both of you see every transaction. No awkward texts.
Personal loansStructure monthly payments with a clear payoff date. Automatic reminders go out before each due date — you don't have to chase anyone.
Structured repaymentPayPact sends the reminders. Due dates, late notices — all automated. You stay out of it until the money shows up.
Automatic remindersSet the loan amount, interest rate, repayment schedule, and duration. The calculator shows exact monthly payments and total cost — nothing hidden.
Send a unique link to the other party. They review the terms and sign. Both parties see exactly what they're agreeing to before any money moves.
Every on-time payment raises your trust score (50–100). Lenders check your score before agreeing to terms. A higher score means better deals.
Our competitors either hide fees in "tips" (SoLo Funds) or lock you into 0% loans with no flexibility (Zirtue). PayPact App charges a single, upfront 2% platform fee — that's it. No origination fees, no late-payment traps, no monthly subscription required.
Traditional credit scores punish you for being young, new to the country, or simply outside the banking system. PayPact App measures what matters: do you keep your word?
Every completed pact, every on-time payment, every honored agreement raises your score. Scores run 50–100. Lenders see your track record before accepting terms.
| Feature | Venmo / Zelle | Zirtue | SoLo Funds | PayPact App |
|---|---|---|---|---|
| Structured repayment | No | Yes | Partial | Yes |
| Custom interest rates | No | 0% only | Tips only | Yes — you set the rate |
| Transparent fees | No structure | 0% model | Hidden in tips | 2% flat, shown upfront |
| Trust / reputation score | No | No | Basic | Core feature (50–100) |
| Counterparty agreement flow | No | No | No | Share link, review & accept |
Join the people building real financial reputations — one pact at a time.
Create Your First Pact — Free →