Stop tracking utang in the group chat.
Every loan gets a schedule, every payment a receipt, and every reminder goes out politely, on time, without you having to ask. Your own cards and debts get a plan too.
Mark, yung 5k last month? Kailan ulit?
Next week, promise. Magkano na nga ulit?
Hindi ko na rin sure. 3k na ba nabayad mo?
Seen 3 days ago- Paid
- ₱3,000.00
- Balance
- ₱2,000.00
- Next due
- 15 Oct
₱1,000.00 every kinsenas · polite reminder scheduled 14 Oct, 9:00 AM
Everything the thread couldn’t do.
A schedule
Weekly, kinsenas or monthly, with interest if you charge it. Every schedule adds up to the centavo.
A receipt
Record a GCash, bank or cash payment and they get a receipt by email. No more “3k na ba?”
A polite reminder
Sent on the day, in the tone you choose. You approve the first one; after that it runs on its own.
Their own page
A private link where they see what’s paid, what’s left and how to pay you. Nothing else of yours.
Reminders that keep the friendship.
Qlear’s reminder templates say the amount, the date, how to pay, and who to reply to: you. They never threaten and never mention anyone else. And whatever you write, nothing goes out at night, and the limits below are the same for everyone and can’t be turned up.
- reminder a day, at most
- 1
- a week, at most
- 3
- nothing is sent
- 9 PM–8 AM
- to unsubscribe
- 1 tap
And the money you owe.
Credit cards with their cut-off and due dates, 0% installments and cash advances, plus loans, BNPL and family debts. Pick avalanche or snowball and see the month you’re debt-free. Import a statement instead of typing it.
The coach answers questions like “which card do I pay first?” in pesos, using the same numbers the app calculates. It never invents one.
- BPI Gold · minimum + surplus₱8,950.00
- Metrobank · minimum₱1,850.00
- RCBC · minimum₱1,200.00
Lend for a living?
A Business workspace is for the lender with a few collectors going house to house: one notebook per collector, settled at the kitchen table at night — replaced.
Available now
- Collectors who see only the people assigned to them
- Processing fee, net proceeds, finance charge and effective rate on every loan
- Unlimited people and up to 5 collectors on the Business plan
Coming soon
- Daily schedules that skip Sundays and holidays
- The collector’s phone view for the rounds
- Cash on hand and end-of-day remittance
- Aging, PAR and income reports, with CSV export
We’re running a pilot with a few lenders. Use Qlear on your real loans, and we’ll set you up and fix what gets in your way.
Join the pilotQlear keeps your records; it is not the lender. Registering a lending business with the SEC is yours to do.
Free until you outgrow it.
Compare plans →Questions
Does the person who borrowed need an account?
No. They get emails from Qlear when you record a payment or a reminder is due, and you can share a private link to a page with just their own loans: what’s paid, what’s left and how to pay you. You can revoke the link any time.
Will the reminders annoy people?
They’re built not to. At most one a day and three a week per person, none between 9 PM and 8 AM, and anyone can unsubscribe in one tap. You approve the first reminder on every loan before it goes out. These limits are the same for everyone and can’t be turned up.
Is Qlear a lender?
No. Qlear keeps your records; it doesn’t lend, collect or hold money. Payments go straight from the borrower to you, however you both usually do it.
What do you keep about my cards?
The bank, the last 4 digits, the limit, the dates and the balances you enter or import. Never the full card number, expiry or CVV — there is nowhere in Qlear to put them.
How are the numbers worked out?
By Qlear’s engine: schedules, balances, interest and payoff plans are calculated, not guessed, and add up to the centavo. The coach explains those figures; it never makes them up. Card interest before a statement arrives is shown as an estimate and labelled one.
Can I use it for my lending business?
Yes. A Business workspace adds collectors who see only their own people, and the processing fee, net proceeds and effective rate on every loan. Daily collection schedules, the collector’s phone view, cash remittance and portfolio reports are coming next.
Only the last 4 digits of a card are ever stored. Your records are yours: ask, and we delete your household and everything in it.