The three ways a loan begins

Ask for a loan, keep a private record, or lend with a formal agreement.

1. Request a loan (free)

You are the borrower and want to ask someone you know. Use Loan Management → Request a Loan.

2. Lend money as a private record (free)

You only want to note a loan for yourself. Nobody else is contacted.

3. Lend with a formal agreement (Amaanah Plus)

You want the borrower and witnesses from both sides to sign an agreement. Use Loan Management → Lend with Agreement.

Which should I use?

• Use a private record for your own notes, or for loans recorded long ago.
• Use a formal agreement whenever you want the other person and witnesses to confirm the terms. The Qur'an tells us to write a debt down and bring witnesses (2:282).