PactApp - Loan Contracts
Secure loans between friends
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
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
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
PactApp gets a fresh new look.
• New design: a fully redesigned interface — smoother and clearer, built to get you to what matters.
• Universal search: from the home screen, instantly find any contract, setting or action (create, export, sign out…).
• Sharper navigation: revamped transitions and instant tab switching, more fluidity everywhere.
• Redesigned home: balance at a glance, contracts in a carousel, next due date and referrals better highlighted.
• Everyday polish: refined screens and placements, a carefully tuned dark mode.
Thank you for your trust. Your feedback shapes PactApp.
The developer, RS Capital LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- RS Capital LLC
- Size
- 120.6 MB
- Category
- Finance
- Compatibility
Requires iOS 15.5 or later.
- iPhone
Requires iOS 15.5 or later. - iPod touch
Requires iOS 15.5 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
English and 3 more
- English, French, German, Spanish
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- Standard $4.99
- Standard Annual $49.99
- Pro $9.99
- Pro Annual $89.99
- Copyright
- © 2026 RS Capital LLC