03 / Lend
Lend
Back a member's request in a tap. Get repaid with a tip they choose — plus Pynk lender protection when things go sideways.
- Always 0% interest
- Protection included
- Fund in seconds
P2P since day one2M+ members
money that
moves between
people.
No banks in the middle. No rollover traps. Just members funding members, with terms written by the two people in the deal.
lend ✳borrow ✳bank ✳repay ✳repeat ✳lend ✳borrow ✳bank ✳repay ✳repeat ✳lend ✳borrow ✳bank ✳repay ✳repeat ✳lend ✳borrow ✳bank ✳repay ✳repeat ✳
01 / Why
Finance was built for institutions. We rebuilt it for neighbours.
Overdraft fees, stacked finance charges, credit checks that punish you for being new. Pynk deletes the middle layer and hands the terms back to the two people who actually matter.
02 / Calculator
Run the numbers before you commit.
0% interest — always. Members add a tip only if they want to, so you always know the exact amount to repay.
$750
$50$5,000
$25
$0 — always allowed$115
4weeks
112
Total to repay$775
Tip you add$25
Weekly payment$194
04 / Borrow
Borrow
Name your amount, your date, and the tip you think it's worth. Members decide. Zero interest. Ever.
- You set the terms
- No rollover fees
- No debt spiral
05 / Bank
Bank
The Pynk Wallet holds it all together — a virtual debit card that lives in Apple Pay and Google Wallet, no monthly fees, and credit you actually build.
- Tap to pay
- Instant transfers
- Credit building
06 / Receipts
2M+
Members
2.5M+
Loans funded
~2 min
Median funding time
82%
Underserved zip codes