Halupay is a free digital loan book app for money lenders in Malawi. It helps you track borrowers, loans, payments, interest, collateral, and guarantors automatically.

Is Halupay free to use?

Yes, Halupay is completely free to download and use. There are optional SMS reminder features that require purchasing SMS credits.

How do I calculate katapila interest?

Halupay automatically calculates katapila interest based on your loan terms. Simply enter the principal amount, interest rate, and loan duration.

Can I track overdue loans?

Yes, Halupay automatically tracks overdue loans and calculates daily penalties. You receive push notifications and can send SMS reminders to borrowers.

All solutions

You Shouldn't Have to Type Every Application by Hand

A borrower calls, tells you their name, ID number, amount, and guarantor details over the phone, and you type it all into a notebook or your phone while trying not to mishear anything.

What this actually costs you

Details get mistyped. Guarantor phone numbers get transposed. And every new borrower costs you ten minutes of manual data entry before you've even decided whether to lend to them.

How Halupay solves it

Halupay gives you a personal application link you can share on WhatsApp or Facebook. The borrower fills in their own details, you review the application, and approve it with an OTP-verified signature — the loan and borrower profile are created automatically.

Get your own application link. Try it free.

Free to start · Works on Android and web

Other things Halupay solves

Stop Being the Only Way Your Borrowers Can Check What They Owe

Would You Still Lend If You Knew They Already Owed Someone Else?

A Paper Contract Only Proves Something If You Can Find It