PactApp - Loan Contracts

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.

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