Everything You Need toManage Loans Professionally
Built specifically for Malawian money lenders. Every feature designed to save you time and help you recover more money.
Just Released: SMS Reminders & Team Management
SMS Reminders
Automatically remind borrowers before their payments are due
- ✓3 days before due date
- ✓On the due date
- ✓After payment is overdue
- ✓Automatic scheduling
Team Management
Invite employees to help with your loan collections
- ✓Invite team members by phone
- ✓Assign borrowers to employees
- ✓Track employee activity
- ✓See who collected what
Employee Dashboard
Your team gets their own app to manage assigned collections
- ✓View assigned borrowers only
- ✓One-tap call borrowers
- ✓See payment schedules
- ✓Log collection activities
All Features
Everything you need to run your lending business efficiently
Complete Borrower Profiles
Track everything about your borrowers in one place
- ✓Full name and phone number
- ✓National ID for verification
- ✓Physical address
- ✓Guarantor name and contact
- ✓Collateral details with value
- ✓Notes and comments
Automatic Interest Calculation
Set your rate once, Halupay does the math perfectly every time
- ✓Simple interest calculation
- ✓Compound interest support
- ✓Custom interest rates per loan
- ✓No calculation errors
- ✓No calculators needed
- ✓Katapila-style interest
Payment Tracking
Record and track every payment with full history
- ✓Payment date and amount
- ✓Payment method (cash, mobile money)
- ✓Running balance calculation
- ✓Full payment history
- ✓Receipt-ready summaries
- ✓Partial payment support
Overdue & Penalty Management
Never miss an overdue payment again
- ✓Automatic overdue detection
- ✓Penalty calculation
- ✓Due date tracking
- ✓Overdue notifications
- ✓Grace period settings
- ✓Late fee tracking
Collateral & Guarantor Records
Protect your loans with proper documentation
- ✓Collateral description
- ✓Estimated value
- ✓Guarantor full details
- ✓Guarantor phone number
- ✓Guarantor National ID
- ✓Multiple guarantors per loan
Backdate Loans
Perfect for migrating from paper records
- ✓Add historical loans
- ✓Set past start dates
- ✓Import existing records
- ✓Maintain accurate history
- ✓No data loss
- ✓Smooth transition from notebooks
Search & Filter
Find any record in seconds
- ✓Search by name
- ✓Search by phone number
- ✓Filter by loan status
- ✓Filter by date range
- ✓Sort by amount
- ✓Quick access to recent loans
Works Offline
Use Halupay even without internet
- ✓Full offline functionality
- ✓Sync when connected
- ✓No data loss
- ✓Works in remote areas
- ✓No airtime needed
- ✓Install on any device
Secure Login
Your data is protected
- ✓SMS verification
- ✓PIN protection
- ✓Quick PIN login
- ✓Session management
- ✓Private by default
- ✓Your data stays yours
🎁 10 Free SMS Credits Included
Every Halupay account comes with 10 free SMS credits. Use them to remind your borrowers about upcoming payments. Need more? Buy additional credits anytime directly in the app.
Ready to try Halupay?
Free download. 10 free SMS credits. Start organizing your loans and reminding borrowers in minutes.