The Informal Loan Problem
You lend €200 to a friend. Three months pass. You're not sure if they forgot, if you're supposed to ask, or if asking will feel rude. Meanwhile, they might be wondering whether you still expect it back.
The problem isn't the money. It's the ambiguity. Both people know the loan exists. Neither wants to be the one to bring it up.
Track Both Sides: Lender and Borrower
FoxyFi's Loans feature lets you record loans from both directions. As a lender, you log who borrowed, how much, when, and any notes. As a borrower, you log what you owe, to whom, and the expected repayment date.
Both views are clean, private, and always current. No spreadsheet. No mental accounting.
"Clarity isn't about trust. It's about removing the discomfort from money conversations."
Repayment Status at a Glance
Every loan shows its current status: outstanding, partially repaid, or settled. If a friend paid back half, log the partial repayment, and the remaining balance updates automatically.
You always know exactly what's outstanding. Not approximately. Exactly.
Loan Reminders That Aren't Awkward
Within a group, FoxyFi can send a gentle in-app reminder to a borrower when a repayment date approaches. Not a "you owe me" message from you: a neutral nudge from the app.
The borrower sees a reminder tied to the group expense. The lender doesn't have to say anything. The system handles the prompt.
Record Settlement in One Tap
When repayment happens, mark the loan as settled. The balance clears, the history remains, and both parties have a clean record of the transaction.
The loan history doesn't disappear. It archives. If there's ever a dispute about whether something was paid, the record is there.