Our Service

We help you manage the "I Owe You" in your life.

IOU ("I Owe You")

Use your mobile phone to send an IOU or request one from another person by using their phone number.

Transactions will be recorded by iou.credit and can be viewed from your mobile phone.

Your Responsibility

Use good judgement when sending and receiving credit through iou.credit. If you suspect abuse of this service, please contact us.

We are not legally responsible for your actions using this service and can not help you with legal disputes.

Credit is Social

While this service uses money symbols, it is you and the person you have made an agreement with that determine what the credit means. These are social agreements, you create the meaning and the terms.

Examples

We all make and accept IOU agreements

Carpooling

Whether splitting the cost of gas or paying for parking, contributing to road expenses is a part of life.

Leisure

When having fun with friends, whether on a daytime cruise or a nighttime outing, you can spot the bill, and get paid back another time.

Cost of Living

Though friends should rarely lend each other money (nor expect to be paid back), sometimes we come up short, and lean on our friends and family for temporary financial support

Unexpected Expenses

One wrong decision, or one unexpected delay may land you in a situation where you need some help, fast. Make sure to let someone know you owe them.

Helpful Actions

Whether they showed you how to better use your computer, or tune your resume, you can let someone know you appreciate the help they gave you.

Shaving the Yak

Managing and making the little IOU events that come up in life can be helpful in maintaining clear communication and good relationships among friends, family and co-workers.

Fluid Credit

While credit cards and payday loans are a means of borrowing money, we all have real life social networks to lean on for help in times of need. This is social capital.

Moving Forward

Keep moving forward, though you may never see an IOU repaid, you can still use this service to jointly acknowledge the situation and move on.

Contact Us

Feel free to send a message

iou.credit is free service and mobile application that can be used by anyone for sending messages between people confirming an "IOU" agreement. These credits do not hold any legal or financial value, they are simply made between two parties using our platform.

We are a small company based in Seattle, WA, providing simple solutions for increasingly complex lifestyles.

  • Phone: 855-781-7655
  • Email: info@iou.credit
  • Address: 800 5th Ave, Seattle, WA 98104