Cek dulu sebelum meminjamkan
Nilai kemampuan bayar, hutang yang sudah ada, kestabilan penghasilan, dan kesiapan melunasi sebelum uang berpindah tangan.
Dokumen keuangan dan alat pembayaran gratis
Perjanjian jelas. Pembayaran lebih aman.
Cek risiko sebelum meminjamkan uang, buat surat perjanjian yang jelas, ekspor PDF profesional, dan pantau pembayaran dari cicilan pertama sampai lunas.
Buat dokumen tanpa biaya
Tersedia dalam tujuh bahasa
Ekspor PDF profesional
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Tanpa istilah hukum yang rumit
Apa yang bisa Anda lakukan
Tiga cara FinSafe membuat urusan pinjam-meminjam lebih aman
Buat perjanjian yang jelas
Jawab pertanyaan terpandu dan hasilkan perjanjian yang tersusun rapi dalam bahasa Anda — tanpa perlu menulis bahasa hukum.
Pantau setiap pembayaran
Buat jadwal jatuh tempo, catat pembayaran, lampirkan bukti, dan selalu tahu berapa sisa hutangnya.
Templat
Perjanjian gratis paling populer
Templat terpandu untuk pinjam-meminjam sehari-hari, pelunasan, dan kwitansi. Pilih bahasa dan yurisdiksi saat menyusunnya.
Disesuaikan per yurisdiksi
Surat Perjanjian Pinjaman Uang
Perjanjian tertulis antara pemberi dan penerima pinjaman yang mencatat jumlah uang, bunga jika ada, dan jadwal pembayarannya.
Disesuaikan per yurisdiksi
Perjanjian Pinjaman Uang Keluarga
Perjanjian yang memperjelas pinjaman antar anggota keluarga — jumlah, cicilan, dan kesepakatannya — agar hubungan tetap baik.
Disesuaikan per yurisdiksi
Perjanjian Pinjaman Uang antar Teman
Kesepakatan tertulis antara dua sahabat soal uang yang dipinjam — jelas jumlahnya, tanggal pengembaliannya, dan cara membayarnya.
Disesuaikan per yurisdiksi
Surat Pengakuan Hutang
Pernyataan tertulis dari pihak yang berhutang bahwa ia benar memiliki hutang sejumlah tertentu dan berjanji melunasinya.
Disesuaikan per yurisdiksi
Perjanjian Pembayaran Cicilan
Perjanjian yang memecah hutang menjadi cicilan bertanggal — jumlah tiap cicilan, kapan jatuh tempo, dan sisa yang harus dibayar.
Disesuaikan per yurisdiksi
Payment Extension Agreement
A short agreement that moves a payment deadline to a new date, recording the new terms so a delay is agreed rather than a default.
Disesuaikan per yurisdiksi
Final Payment Demand
The last letter before escalation: states the full amount owed, sets one final deadline, and says plainly what happens next.
Disesuaikan per yurisdiksi
Kwitansi Pembayaran
Bukti tertulis bahwa sejumlah uang telah diterima — mencatat siapa membayar, berapa, untuk apa, dan kapan.
Disesuaikan per yurisdiksi
Guarantor Agreement
Records a third person's promise to repay a loan if the borrower defaults, with clear limits on what the guarantor covers.
Templat umum
Freelance Service Agreement
A working contract between a freelancer and a client covering deliverables, deposit, payment milestones, revisions, and who owns the finished work.
Templat umum
Simple Sale Agreement
A short, plain-language agreement that records what is being sold, the agreed price, how payment is made, and when the item changes hands.
Templat umum
Rental Deposit Receipt
Written proof that a security deposit was paid, how much, when, and the conditions for getting it back.
Alat PDF
Alat PDF gratis untuk kontrak
Siapkan, tanda tangani, dan kelola PDF perjanjian. File diproses di browser Anda dan tidak pernah diunggah.
Diproses di browser Anda
Contract PDF Generator
Most private loans start with trust and end with confusion, because nobody wrote the terms down.
Diproses di browser Anda
Merge PDF
A loan file is rarely just one document.
Diproses di browser Anda
Split PDF
Sometimes you only need one part of an agreement: the signature page to show a payment was authorized, the schedule annex to check a due date, or a single section to share without exposing the rest.
Diproses di browser Anda
Compress PDF
Email attachments bounce, chat apps refuse large files, and a scanned agreement can easily weigh 20 MB.
Diproses di browser Anda
Sign PDF
Printing a contract, signing it, scanning it, and emailing it back is a lot of ceremony for a loan between friends.
Diproses di browser Anda
Add Date to PDF
An undated signature is one of the most common gaps in informal agreements — and the date is exactly what you need when deadlines, interest, or repayment schedules are counted from signing.
Diproses di browser Anda
Add Page Numbers
When a contract says Page 3 of 7, everyone can immediately tell whether a copy is complete — and whether a page has quietly gone missing.
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Add Watermark
Sharing an unsigned draft that looks exactly like a final contract is asking for confusion — someone will treat it as the real thing.
Diproses di browser Anda
Redact PDF
Drawing a black rectangle over an ID number is not the same as removing it — in many PDFs the text is still there underneath, one copy-paste away from exposure.
Diproses di browser Anda
Compare Contracts
When someone sends back a revised agreement, the dangerous changes are the small ones: a due date moved by a month, an amount nudged up, a clause quietly dropped.
Diproses di browser Anda
Extract Contract Details
The details that decide a loan are scattered across the page: who is lending, how much, from when, due when, at what rate.
Segera hadir
Translate Contract
Automatic contract translation is coming to FinSafe web, and this page will carry it when it lands.
Segera hadir
Summarize Contract
An automatic contract summarizer is on its way to FinSafe web, and this page will host it the moment it is ready.
Diproses di browser Anda
Images to PDF
A signed agreement photographed page by page is a stack of loose images — easy to lose, awkward to send, and unconvincing as a single record.
Kalkulator
Kalkulator pinjaman dan cicilan gratis
Pahami angsuran, bunga, dan sisa hutang sebelum tanda tangan — lalu ubah hasilnya menjadi jadwal pembayaran.
Loan Repayment Calculator
Enter a loan amount, an annual interest rate, and a repayment term, and this calculator gives you the fixed monthly payment plus the total interest you will pay over the life of the loan.
Simple Interest Calculator
Simple interest is charged on the original amount only — it never compounds.
Installment Calculator
When someone owes a lump sum they cannot pay at once, the practical fix is to split it into equal installments.
Debt-to-Income Calculator
Your debt-to-income ratio (DTI) is the share of your monthly income that already goes to debt payments.
Late Payment Calculator
A payment is overdue and the agreement mentions late interest — but how much is actually owed? The standard approach charges a daily rate on the overdue amount for every day past the due date, and this calculator does exactly that from three inputs: the amount, the annual late-interest rate, and the days late..
Outstanding Balance Calculator
Halfway through a loan, “how much do I still owe?” has a precise answer — and it is not simply the original amount minus what you have paid, because part of every payment went to interest.
Amortization Calculator
A monthly payment figure tells you what to pay; an amortization schedule tells you where that money goes.
Payment Schedule Generator
Amounts alone do not make a repayment plan — dates do.
Dari pengecekan awal sampai pembayaran terakhir
Cara kerja FinSafe
- 1Pilih dokumen
- 2Pilih negara dan bahasa
- 3Jawab pertanyaan terpandu
- 4Periksa klausul-klausul penting
- 5Ekspor PDF atau DOCX
- 6Tanda tangani atau unggah salinan bertanda tangan
- 7Buat jadwal pembayaran
- 8Pantau pembayaran dan buktinya
Multibahasa sejak awal
Bahasa dokumen dan yurisdiksi bukan hal yang sama.
Dokumen yang ditulis dalam bahasa Indonesia tidak otomatis tunduk pada hukum Indonesia. Di FinSafe, bahasa dokumen dipilih terpisah dari hukum yang berlaku dan yurisdiksinya, sehingga perjanjian bisa memakai bahasa Anda dan tetap sesuai dengan tempat transaksi sebenarnya terjadi.
Transparansi hukum
Jujur tentang apa yang bisa dilakukan sebuah templat
- Templat membantu penyusunan dokumen secara umum — menolong Anda menuliskan kesepakatan dengan jelas.
- Ketentuan hukum berbeda-beda menurut negara, jenis transaksi, dan situasi masing-masing.
- Sebagian transaksi mungkin memerlukan telaah hukum, pendaftaran, notaris, saksi, atau dokumen tambahan.
- FinSafe tidak menjamin kekuatan hukum dokumen dan bukan pengganti nasihat hukum.
Buat perjanjian yang jelas sebelum uang berpindah tangan.
Hanya perlu beberapa menit untuk menuliskan jumlahnya, tanggalnya, dan apa yang terjadi bila ada masalah. Itu bisa menyelamatkan persahabatan, hubungan keluarga, atau sebuah usaha.