PactApp - Loan Contracts

Secure personal loans with legally binding digital contracts. E-signature, repayment tracking and legal protection.

PactApp — The app that secures personal loans with legally binding digital contracts.

Lending or borrowing money from someone you know? PactApp generates a legally compliant contract, electronically signed by both parties, with built-in repayment tracking. Compliant across 10 countries (FR, DE, ES, IT, PT, BE, LU, CH, UK, US).

CREATE A CONTRACT IN 2 MINUTES • Enter amount, duration, interest rate (with usury rate verification) • Choose from templates adapted to your country and situation • Invite the borrower by email or link — they sign from their phone

SECURE ELECTRONIC SIGNATURE • eIDAS-compliant signature (advanced level) • Optional KYC identity verification (ID document + selfie, 100% on-device) • PAdES-B/T certificate embedded in PDF • Qualified timestamping and SHA-256 audit trail

REPAYMENT TRACKING • Payment schedule with automatic reminders • Payment confirmation by both parties • Dashboard with remaining balance and next payment • Complete exportable history

LEGAL PROTECTION • Contracts compliant with local civil law in 10 countries • Automatic Cerfa 2062 generation for French tax declarations • Formal notice and registered electronic letter (AR24) • 3-level escalation (amicable, formal, pre-litigation)

SECURITY & PRIVACY • Data hosted in France (EU-West-3 Paris) • End-to-end encryption • Full GDPR compliance • No data resale • Account deletion directly in-app

REFERRAL Invite friends with your referral code and unlock up to 2 additional bonus contracts.

PactApp replaces handwritten IOUs with a 100% digital, legal, and traceable process. Protect your relationships AND your money.

— — — Terms of Use (EULA): https://pactapp.eu/legal/cgu Privacy Policy: https://pactapp.eu/legal/privacy