PayPact 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.
Set 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 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 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 |
|---|---|---|---|---|
| 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 →