How It Works
Lend to family and friends with confidence. Amico is your peer-to-peer lending app that simplifies the process, creating a contract for your loan so you can get back to more important things.
Lend to family and friends with confidence. Amico is your peer-to-peer lending app that simplifies the process, creating a contract for your loan so you can get back to more important things.
Step 01
Get Prepared
Before you jump into formalising a loan with a friend or family member, it’s important to get informed. Fair and ethical lending starts with understanding the rules that apply to you. Take a moment to read up on the regulations in your country—so everyone’s on the same page from the start.lending or borrowing from a friend of family member. It is necessary for you to ensure fair and ethical lending is understood by each party.
Understand fair and ethical lending
Check the rules before you lend
Get informed, stay confident
Step 02
Create your free account
Getting started with Amico is easy. Download our free app from the App Store or Google Play Store, and you’re halfway there. Once installed, create your account by providing a few key details: your legal name, date of birth, and address. It’s quick, straightforward, and sets you up to create smarter, stress-free loan agreements with the people you trust.
Sign up with ease
Your details, secured
A safe space for contracts
Step 03
Start a new loan
Ready to get things rolling? Tap the “Start a New Loan” button on the app’s homepage. From there, choose whether you’re the borrower or the lender. Then, it’s as simple as entering the loan terms you’ve agreed on with your friend or family member. Amico guides you through the process step by step, making it easy to create a safe, fair, and legally binding contract that works for everyone involved.
Customise your repayment schedule
Choose an interest rate that suits you
Get certainty with an end date
Step 04
Pay for your contract
Once you’ve entered all the loan details, it’s time to finalise your draft contract. For just $15, Amico will generate the agreement, ready to be sent to the other party for review. If this is your first contract with us, we’ll also ask for your signature so it can be included in the document. It’s quick, simple, and ensures everything is set up for the next step.
Pay securely with confidence
Add your signature seamlessly
Just $15 for total clarity
Step 05
Review and agree
Your draft contract is ready! Now, invite the other party by entering their mobile number. They’ll be prompted to review the terms and create their free Amico account. If everything looks good, they simply accept and sign. If changes are needed, you’ll receive a notification to adjust the terms before finalising. Once both parties have signed, your contract is officially locked in. You can download it anytime, and it’ll be securely stored in Amico for easy access.
Invite the other party instantly
Review, adjust, and finalise with ease
Securely stored for future access
Frequently asked Q's
Still have questions? We’ve got you covered. If you want to learn more about how Amico works, head over to our Frequently Asked Questions page. It’s packed with useful information about loan agreements, repayments, and everything in between—so you can feel confident every step of the way.
Step 01
Get Prepared
Before you jump into formalising a loan with a friend or family member, it’s important to get informed. Fair and ethical lending starts with understanding the rules that apply to you. Take a moment to read up on the regulations in your country—so everyone’s on the same page from the start.lending or borrowing from a friend of family member. It is necessary for you to ensure fair and ethical lending is understood by each party.
Understand fair and ethical lending
Check the rules before you lend
Get informed, stay confident
Step 02
Create your free account
Getting started with Amico is easy. Download our free app from the App Store or Google Play Store, and you’re halfway there. Once installed, create your account by providing a few key details: your legal name, date of birth, and address. It’s quick, straightforward, and sets you up to create smarter, stress-free loan agreements with the people you trust.
Sign up with ease
Your details, secured
A safe space for contracts
Step 03
Start a new loan
Ready to get things rolling? Tap the “Start a New Loan” button on the app’s homepage. From there, choose whether you’re the borrower or the lender. Then, it’s as simple as entering the loan terms you’ve agreed on with your friend or family member. Amico guides you through the process step by step, making it easy to create a safe, fair, and legally binding contract that works for everyone involved.
Customise your repayment schedule
Choose an interest rate that suits you
Get certainty with an end date
Step 04
Pay for your contract
Once you’ve entered all the loan details, it’s time to finalise your draft contract. For just $15, Amico will generate the agreement, ready to be sent to the other party for review. If this is your first contract with us, we’ll also ask for your signature so it can be included in the document. It’s quick, simple, and ensures everything is set up for the next step.
Pay securely with confidence
Add your signature seamlessly
Just $15 for total clarity
Step 05
Review and agree
Your draft contract is ready! Now, invite the other party by entering their mobile number. They’ll be prompted to review the terms and create their free Amico account. If everything looks good, they simply accept and sign. If changes are needed, you’ll receive a notification to adjust the terms before finalising. Once both parties have signed, your contract is officially locked in. You can download it anytime, and it’ll be securely stored in Amico for easy access.
Invite the other party instantly
Review, adjust, and finalise with ease
Securely stored for future access
Frequently asked Q's
Still have questions? We’ve got you covered. If you want to learn more about how Amico works, head over to our Frequently Asked Questions page. It’s packed with useful information about loan agreements, repayments, and everything in between—so you can feel confident every step of the way.
Features Coming Soon
Loan Transfers
Agreed your loan terms with a friend or family member and had Amico document the loan for you? Now you have to manually organise getting the money to them? No problem - Amico will handle this for you, setting up the initial one-off transfer in line with the agreed loan terms and amount.
International Transfers
Loan Repayments
Loan Transfers
Loan Repayments
International Transfers
Loan Transfers
Loan Repayments
International Transfers
Creating a loan contract has never been easier.
Creating a loan contract has never been easier.