Personal loans
Lent a friend some cash, covered the group dinner, or borrowed to cover something? Finvot keeps count for you: how much you're owed, how much you owe, and what's left to settle — with partial payments and, if you want, affecting the real balance of your accounts.
Find it under Profile → Personal loans.
The two sides: "Owed to me" and "I owe"
The Loans hub has two tabs, one for each direction the money flows:
- Owed to me 🤝 — money you lent to someone and expect back. Up top you'll see "Total owed to you".
- I owe — money someone lent you that you need to pay back. Up top you'll see "Total you owe".
Each loan shows as a card with the person, the outstanding balance, and its status (Pending, Partial, or Paid).
Create a loan
Go to Profile → Personal loans and tap “New loan”
Pick the type: “Owed to me” or “I owe”
“Owed to me” = you lent money. “I owe” = you were lent money. Heads up: the type can't be changed once the loan is created.
Set who it's with, the amount, and the loan date
Decide whether to track it in transactions (see below)
Save
You can also add an optional due date and notes.
Track in transactions, or info-only?
When you create the loan, the "Track in transactions" toggle decides whether it should move your accounts or just be tracked here:
Two ways to track a loan
- Tracked in transactions — Finvot creates the real transaction for the loan and affects the account balance: an expense if you're owed (the money left) or an income if you were lent to (the money came in). Each payment moves the account too. You need to pick an account and a category.
- Info-only — Finvot tracks it here only, without touching your accounts or your balance. Great for a cash loan or anything that didn't go through the bank.
An info-only loan is labeled "Info only" since it isn't tracked in transactions.
Convert something you already logged
If the movement already exists in Finvot, don't duplicate it — turn it into a loan from the transaction detail.
An expense → “Convert to loan”
It's adopted as an “Owed to me” loan. Finvot asks who you lent to.
An income → “Record as a loan payment”
It's linked as a payment to one of your pending “Owed to me” loans (same currency).
From the AI assistant
You can also ask the assistant how much you're owed or have it log a loan repayment. The assistant works on “Owed to me” loans; “I owe” loans are managed here in the hub.
Log payments (partial payments)
When you're paid back (or pay) in installments, log each payment from the loan detail:
Open the loan and tap “Add payment”
Or use “Settle in full” to log the entire outstanding balance at once.
Enter the payment amount and date
The amount can't be more than the outstanding balance.
If the loan is tracked, choose whether the payment moves the account
It adds an income (if you're owed) or an expense (if you owe) to the account and category you pick.
Save the payment
Finvot adds up the payments on its own and updates the status:
- Partial — while the payments add up to less than the amount of the loan. You'll see a progress bar with how much you've paid of the total (for example, "$50 of $200").
- Paid — when the payments match or exceed the amount. There's nothing to "close" by hand.
Fix or undo
Everything is reversible, and you decide whether the transaction is deleted too:
- Remove a payment — swipe the payment and pick "Remove payment only" (keeps the transaction, which goes back to being a normal income/expense) or "Payment and transaction" (also deletes the movement and adjusts the balance).
- Remove the loan from a transaction — from the movement's detail, "Remove from loan": the transaction stops being a loan and goes back to a normal expense/income. Payments are unlinked but their transactions are kept.
- Delete the loan — if it's tracked, you choose "Loan only" (keeps the disbursement and payment transactions) or "Loan and transactions" (deletes everything and adjusts the balance).
Find your loans
Inside each tab you can search by person and filter by status: Pending (what's still open, the default view), Paid, or All. You can also sort (recent, highest balance, name) and narrow by date range.
Good to know
- Editing is limited. Once a loan is created you can only change the person, the notes, and the due date. The type, amount, account, and "track in transactions" are locked.
- The due date is optional and sends no reminders. It's just a reference; Finvot won't nudge you when something comes due.
- One currency per loan. Payments and totals use the loan's currency; the total up top only appears when all your loans share the same currency.
- Individual transactions only. Not available for transfers between your own accounts or for expenses shared with your partner.
- Your old "receivables" are still here. Expenses you flagged as "receivable" before this section appear in the "Owed to me" tab.