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★★★★★
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VyajPay is a loan tracker and lending ledger for anyone who lends money: to friends and family, to employees, or to customers of a small business. Replace notebooks and spreadsheets with one clear ledger. Record every loan, payment and balance, let VyajPay work out the interest, and see who owes what at a glance. Loan & Interest Ledger Interest-only, fixed-installment, reducing-balance and daily-collection loans. VyajPay works out interest and every due date, and shows exactly what is due today. Record Payments in Seconds See where each payment goes and what is left before you save. Every borrower's history is on one page. Know Who Is Late Overdue loans grouped by how many days late, with Call and WhatsApp on every row. Collateral You Hold Record anything held against a loan: gold, silver, vehicles, phones and electronics, land and property papers, documents and more, with photos, value, details and a return-by date. Each item has its own page (Pro). Customer Ledger Keep a running ledger for every customer: what you'll get, what you'll give, and the balance. Receipts & Loan Cards Share a receipt for every payment, or print a one-page A4 loan card with the full schedule and signature lines. Reports Statements, collections, overdue and profit reports. Export to PDF or Excel and share in one tap. Safe & Private App lock, secure cloud backup and sync across your phones. Works Offline Add entries without internet; everything syncs when you're back online. Perfect for: • Private lenders and small lending businesses • Landlords and employers who lend to tenants or staff • Anyone lending to friends or family who wants clear records VyajPay is free to start with up to 5 borrowers and 5 customers. VyajPay Pro (3-day free trial) adds unlimited borrowers, the daily due list on WhatsApp, the Digital Locker, collateral records and more. No ads. Important: VyajPay is only a bookkeeping and record-keeping app. VyajPay does not provide loans, credit, loan applications, loan matching, payments, banking, underwriting, collection services or financial advice. Questions or suggestions? Reach us at contact@vyajpay.com. We read everything and reply fast. Privacy Policy: https://vyajpay.com/privacy-policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://vyajpay.com/contact