Your community.
Your money.
Your rules.
Loopays lets you create private savings and credit communities where the interest benefits every member.
Los Pinos Savings Club
12 members · Medellín
Group capital
$18,450
+12.4%Available
$12,300
Lent
$6,150
Interest
+$1,250
Fund growth
Last 12 months
Recent activity
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MG+$150
María García
Monthly contribution
-
CR+$210
Carlos Ruiz
Loan installment
-
JP$2,000
Juana Pérez
Loan approved · 9 votes
Inspired by models used in more than 20 countries
0
People save in community
0
Countries with community models
0
In community funds
0
Community-managed
How it works
From a trusted group
to a growing fund
Six steps. Zero paperwork. The money never passes through Loopays: it flows directly between members.
Paso 01
Create your community
Give it a name, set the currency and the monthly contribution. Your community is ready in under two minutes.
New community
Invitations
Paso 02
Invite your people
Share a private link. Only the people you approve get in: your family, your colleagues, your neighborhood.
Paso 03
Save together
Every contribution is recorded in the group's ledger. Everyone sees how much there is, who contributed and when.
July contributions
11 / 12 up to date$1,650 collected this month
Juana requests a loan
Working capital · Store
Amount
$2,000
Term
6 installments
Interest
1.5%
Paso 04
Request loans
Any member can request a loan from the common fund. The amortization is calculated automatically.
Paso 05
The community votes
Nothing is approved without consensus. Each request goes through a vote according to the rules the group defined.
Vote in progress
2h left90%
Approved with 70% — ✓ Approved
Fund performance
+18% annualPaso 06
The fund grows
The interest doesn't go to a bank: it returns to the fund and is shared among members. The money circulates, the community wins.
Dashboard
The group's full financial health,
in real time
Capital, liquidity, loans, interest and delinquency. No spreadsheets, no notebooks, no arguments.
Hi, María 👋
Los Pinos Savings Club · July 2026
Capital
$48,200
+12.4% anual
Liquidity
68%
$32,776 available
Loans
5 active
$15,424 in progress
Interest
+$3,840
for members
Delinquency
1.2%
↓ 0.8 pts vs junio
Capital evolution
Smart rules
Trust is good.
Clear rules are better.
Each community defines its own rules and Loopays enforces them automatically. No exceptions, no favoritism.
Maximum amount: 3× your savings
No one can borrow more than three times what they've contributed. Risk is always bounded by commitment.
Approval with 70% of votes
No loan leaves the fund without majority backing. The community always has the last word.
No simultaneous loans
One member, one loan at a time. The next credit line opens only after the current one is paid off.
WhatsApp reminders
Contributions and installments remind themselves, before the due date. No one has to chase anyone.
Automatic late-payment interest
Late payments generate extra interest that also returns to the fund. The rules apply on their own, without conflict.
Your rules, configurable
Voting thresholds, rates, terms and limits: each community tunes the system to its own culture.
Social score
Reputation built by
keeping your word
Forget the credit bureau. On Loopays your track record inside the community is your calling card: on-time contributions, repaid loans and participation build a score everyone can see.
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Calculated only from behavior within the group
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Unlocks larger limits and better terms
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Portable across communities within Loopays
Carlos Gómez
Punctuality
Never paid late
Seniority
4 years in the community
Contributions
100% completed
Participation
Votes on every request
Unlocked credit
$4,500 · 3× their savings
All included
What used to be a notebook
is now infrastructure
Smart ledger
Every contribution, loan and interest is recorded with date, author and evidence. Immutable and auditable by everyone.
Total transparency
Every member sees the same fund status, in real time. No more napkin math.
Automation
Amortizations, interest, late fees and payouts calculate themselves. Zero spreadsheets, zero human error.
Digital contracts
Each loan generates an agreement digitally signed by the parties, with terms and a payment schedule.
Automatic reminders
WhatsApp and email before every due date. Collecting stops being awkward: it's simply automatic.
Real-time dashboard
Capital, liquidity, delinquency and group performance in a panel anyone understands at a glance.
Bank-grade security
End-to-end encryption, private invite-only communities and no custody of funds: your money never touches us.
Pricing
Simple pricing.
No commissions on your money.
Loopays never takes a percentage of the fund. You pay for the software, your community keeps 100% of the interest.
Free
To start with your inner circle.
- Up to 8 members
- 1 community
- Contributions and loans
- Votes
- Basic dashboard
Community
For savings clubs, tandas and serious groups.
- Up to 30 members
- Everything in Free
- Digital contracts
- WhatsApp reminders
- Social score
- Custom rules
- Exports and reports
14-day trial · No card
Business
For cooperatives and organizations.
- Unlimited members
- Everything in Community
- Multiple communities
- Advanced roles and permissions
- API and audit
- Priority support
Real communities
Thousands of groups already
circulate their money
“I spent 12 years running the savings club in a notebook. With Loopays the 24 members see everything on their phone and no one asks me how much is in the fund anymore.”
María Fernanda Restrepo
Savings club · Medellín 🇨🇴
“Voting changed everything. Loans used to be approved amid arguments; now each request is voted in the app and a signed contract remains.”
Arjun Patel
Chit Fund · Bangalore 🇮🇳
“Our stokvel grew from 15 to 40 members in a year. Automatic reminders brought delinquency to nearly zero and the fund never yielded so much.”
Thabo Mokoena
Stokvel · Johannesburgo 🇿🇦
FAQ
Frequently asked questions
No. Loopays is a software platform (SaaS). We are not a financial institution, we don't lend money and we don't pay returns. We're the tool your community uses to manage its own fund.
Always in the members' hands. Loopays never holds funds: the money moves directly between people by whatever means the group prefers (transfer, cash, wallets). We record, calculate and give transparency.
By community vote, according to the threshold the group sets (for example, 70% in favor). Each request shows the amount, term, rate and the applicant's social score before voting.
Loopays sends automatic reminders before and after the due date, applies the late fee the group defined and reflects it in the member's social score. The rules enforce themselves, without personal friction.
Yes. Interest rates, terms, maximum limits, voting threshold, late fees and contribution schedule: everything is configurable. Each community runs on its own culture; Loopays just enforces it.
Free up to 8 members, forever. The Community plan is 15 USD a month (up to 30 members) and Business 50 USD a month (unlimited). We never charge commission on the group's money: 100% of the interest belongs to the community.
Yes. Since Loopays doesn't move money, it works in any country and any currency. Savings clubs in Colombia, tandas in Mexico, susu in Ghana, stokvels in South Africa or chit funds in India: the model is universal.
All information travels and is stored encrypted. Communities are private and accessed only by approved invitation. Also, since we don't hold funds, there's no "loot" to attack: your data is yours and so is your money.
Start today.
Create your first financial community.
Free up to 8 members. No credit card. Your group can be running this very afternoon.