Lend to the people you love — without the worry.
Pebblio helps friends and family create clear loan agreements, set repayment schedules, and track everything together — so the conversation stays about the relationship, not the money.
Your first loan is free. After that, just £3.99 per loan.
From a UK-wide survey of 2,000 adults
Lending to someone you care about shouldn't feel like a risk
Right now, most people rely on trust and memory. That works — until it doesn't. Our research shows three things keep people up at night:
Fear of damaging the relationship
The biggest barrier to lending isn't the money — it's the worry that asking for it back could change things between you.
29% cite this as their top concernThe awkward reminder
Nobody wants to be the person chasing a friend. One in four people say the discomfort of reminding someone is what stops them from lending at all.
25% say reminding is too awkwardNo shared record — just memory
Most people track repayments in their head, if at all. Without a shared record, it's easy for expectations to drift — and for small misunderstandings to become bigger ones.
56% rely on a verbal agreement aloneThree steps. Under 90 seconds.
Creating a clear, shared loan agreement is quicker than you think.
Set the terms together
Enter the amount, choose a repayment schedule, and see a live preview. You and your counterparty agree on everything upfront.
~60 secondsShare and sign
Send a link to the other person. They review, accept with a tap, and both get a signed agreement.
Under 30 secondsTrack it together
Both parties see the same repayment schedule. Record payments, get gentle reminders, and always know where things stand.
Ongoing peace of mindBuilt around what people actually need
No unnecessary complexity — just the tools that help you lend or borrow with confidence and keep the relationship strong.
Flexible Repayment Schedules
Set the payment frequency and start date. Change any amount to fit your plan — start small, skip a month, or split future payments.
Automated Reminders
Pebblio sends gentle nudges when a repayment is coming up, so you never have to chase or feel chased.
Signed Agreement
A legally binding contract signed by both parties — clearly setting out what's been agreed, so there's no room for misunderstanding.
Shared Dashboard
Both parties see the same live view of what's been paid and what's outstanding. Total clarity, no confusion.
No Money Movement
Pebblio never touches your money. Payments happen your way, outside the platform — bank transfer, cash, however you prefer.
Private & Secure
Your loan data stays between you and the other person. We take privacy seriously — always.
However you lend or borrow, Pebblio fits
Whether you're repaying a big loan over months or just want something in writing — Pebblio adapts to how real people actually lend and borrow.
Covering an emergency
Your sibling's car breaks down and they need £2,000 fast. You want to help — but you also want to make sure there's a clear plan to pay it back.
How Pebblio helps
Set up a scheduled repayment plan with automatic reminders — so you never have to chase.
Bank of mum and dad
You're helping your child with a deposit, tuition, or first car. It's a big amount, and you'd both feel better with something in writing.
How Pebblio helps
Create a signed agreement with a single repayment date — clear, fair, and documented.
Helping a friend in need
A close friend asks to borrow money. You trust them — but you've heard stories about how money can change friendships.
How Pebblio helps
Formalise the agreement with a shared record both of you can see — without making it weird.
Borrowing instead of using credit
You'd rather borrow from someone you know than pay high-interest credit. But you want to show you're serious about paying it back.
How Pebblio helps
Start the loan yourself as the borrower — and invite the lender to agree. It shows good faith from day one.
Less than a flat white
Your first loan is free. After that, it's one simple fee.
£3.99
per loan, paid by whoever creates it
- Signed PDF agreement
- Shared repayment schedule
- Automated reminders
- Payment tracking
- No hidden charges
Frequently asked questions
Got questions? We've got answers.
Ready to keep things simple?
Join thousands of people who want a better way to lend to and borrow from the people they trust.