Everything you need. Nothing you don't.
Simple, transparent tools that keep private loans clear and relationships strong.
Core Features
The essentials for managing any private loan with confidence.
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.
Adjust Anytime
Plans change. Skip a payment to roll into a later payment or postpone - every change is logged and visible to both sides.
Shared Dashboard
Both parties see the same live view — total clarity, no confusion. Always up to date, always transparent.
Agreement PDF
A downloadable, signed contract capturing the exact terms both parties agreed to. Professional, clear, and legally binding.
No Money Movement
Pebblio never touches your money. Payments happen your way, outside the platform — we just track them.
Private & Secure
Your data stays between you and the other person. No ads, no data selling, no third-party access. Always.
Clarity, not complexity
Pebblio replaces messy spreadsheets and awkward text messages with a single, shared view of your loan. Both parties see the same information — balance, schedule, and history — so there's never a disagreement about where things stand.
- Live balance visible to both lender and borrower
- Full payment history with dates and amounts
- Downloadable, legally binding agreement PDF
Designed around trust
Every feature exists to reduce friction and protect what matters most — your relationship.
Built for Two
Every loan on Pebblio is a shared space. Both lender and borrower have equal visibility, so no one's in the dark.
Gentle Reminders
Optional email reminders before a payment is due. Helpful nudges that save you the awkward conversation.
Full Transparency
Outstanding balance, payments made, and what's coming next — all visible at a glance to both parties.
Trust by Design
Changes to the agreement require mutual confirmation. Neither party can alter terms without the other knowing.
Set Up in Seconds
No lengthy forms or complex onboarding. Enter the basics, invite the other person, and you're done.
Relationship-First
We designed every feature to reduce friction, not create it. The goal is always to protect the relationship.
Built for real relationships
Whether it's a parent helping with a house deposit, friends splitting the cost of a holiday, or a partner covering an unexpected expense — Pebblio keeps it simple and keeps you connected.
- Works for family, friends, couples, and housemates
- No credit checks, no interest, no judgement
- Changes need both parties to agree — always fair
Ready to try it?
Create your first loan agreement for free. No sign-up hassle, no credit card.