You said yes when the real bank said no. We handle the rest — repayment schedules, payment history, and zero awkward Thanksgiving conversations.
14 days free · cancel anytime · no actual banking involved
BankOfGaga gives Gagas the tools to make informal family loans feel official — without hiring a lawyer or making things weird at Christmas.
For Lenders
Email anyone a secure link. They set up their account, see their loan details, and suddenly understand why compound interest matters — whether they're 14 or 40.
Set the amount, rate, and term. BankOfGaga builds the full amortization schedule — principal vs. interest, month by month — so nobody has to do math at dinner.
Borrowers get a reminder 3 days before a payment is due. When they pay, they tap 'I sent it.' You get an email with a one-click confirm button — no login required. They get a receipt. Done.
Life happens. Put a loan on hold, skip a payment, change a due date, or terminate a contract — all with a click and a confirmation.
See all your family borrowers at a glance — including multiple loans per person if life calls for it. Pending invites, active agreements, payment progress, and the ability to add, pause, or remove anyone.
Family finances are personal. Your data is encrypted, never sold, and only visible to the people in your family group.
Most people learn about interest in a textbook — if at all. BankOfGaga borrowers learn it from their own loan, with real numbers and a calculator that makes them say "wait, if I pay a little more each month I save HOW much?" That lesson lands whether you're 14 or 44.
No textbook makes interest real the way a payment schedule does. Borrowers can see the exact dollar amount going to interest on every single payment — and watch it shrink as the balance goes down. That's a lesson that sticks at any age.
The calculator doesn't lecture — it just shows the math. Anyone who figures out that $25 extra per month saves them $89 and 8 months has learned something that will change how they think about money forever.
This isn't a simulation — it's a real loan with real money from someone who believes in you. Whether the borrower is a teenager learning responsibility for the first time or an adult rebuilding their footing, that accountability matters.
A clean, simple dashboard built for real people — not accountants.
My Balance
How much they still owe, broken down clearly
Next Payment
What's due, when it's due, and a direct pay button for Venmo, Cash App, PayPal, or Zelle
Full Schedule
Every payment — past, present, and future — with a clear payoff date
Payoff Calculator
The "what if" tool that makes money make sense
Early Payoff Rewards
Pay extra and get a congrats email showing exactly how much time and interest you saved
The loan is the start. The real value is what your borrower learns along the way — with hands-on tools that turn money from a mystery into a skill. We're adding more tools as we grow.
Tool 01
Also free for everyone — no signup needed.
Plug in any loan and watch what happens when you pay a little extra. Borrowers see exactly how compound interest works on their own real numbers — and that lesson sticks for life.
Borrowed
$5,000
Monthly
$154/mo
Pay Off In
3 yrs
$25 extra/mo → save 8 months & $89
Tool 02 — New
Included free with every borrower account.
Borrowers get $5,000 in pretend cash to practice buying nearly any US-listed stock or ETF — with real prices, real dividends, and a one-tap link to live quote and financials data for every ticker. They'll learn dividends, DRIP, P/E, and compound growth without losing a real dime.
Portfolio Value
$5,127.40
Today
+$22.18 ▲
💧 KO dividend incoming → auto-reinvest with DRIP
Coming soon
Budgeting, savings goals, and credit basics — we're building the financial-literacy toolkit your borrower never got in school. Always free with the Gaga subscription.
When kids are little, "grandfather" is a big word. So they say Gaga instead. It sticks. Forever.
And when those kids grow up and need a car, a down payment, or a bridge loan to get through a rough patch — Gaga is usually the one who says yes, no questions asked.
BankOfGaga exists for every Gaga who's been scribbling loan amounts on sticky notes, trying to remember who paid last month, and hoping nobody brings it up at Thanksgiving.
Now there's a better way. Official-looking. Easy to use. And nobody has to feel awkward about it.
“My dad lent me $15,000 for my first car. He kept the repayment schedule in a Google Sheet that we both hated updating. BankOfGaga actually makes us both look forward to payment day.
One lender account covers your whole family. Borrowers are always free — and they unlock every financial tool we build along with the loan tracking.
Borrower
Always. No credit card needed.
Gaga
or $59.99/year (save 37%)
14-day free trial — no charge until you're sure.
An investment in your borrower's financial education — with all the loan tools too.
Absolutely not. We don't hold money, transfer money, or do anything a real bank does. We're a tracking tool — think of us as a really fancy spreadsheet that doesn't require a finance degree to use.
Payments happen directly between family members. When you set up a loan you pick how you want to get paid — Venmo, Cash App, PayPal, Zelle, cash, or anything else. Borrowers see a one-tap payment button that opens the right app pre-filled with the amount. They tap 'I sent it,' you get an email to confirm, and the record updates automatically.
Genuinely educational. The payoff calculator uses plain language and quick-pick buttons so anyone can see, in real dollars, what an extra $25 a month does. Borrowers also get a practice-investing sandbox with $5,000 in pretend cash, live prices on nearly any US-listed stock or ETF, a one-tap link to quote and financials data on every ticker, and built-in lessons on dividends, DRIP, and compound growth — a hands-on intro to investing that no textbook delivers. Real money on the loan, real prices on the investing side, real math on both. We're adding more free tools over time.
Nope. If you need a legally enforceable document, talk to a lawyer. Our records are great for keeping everyone on the same page, but a real promissory note is a different thing.
Family loans over $10,000 can have IRS implications (hello, Applicable Federal Rate). We strongly recommend chatting with a tax advisor. We'll track it, they'll advise on it.
Yes. No long-term contracts, no cancellation fees. Just regular monthly billing. You can cancel in your account settings any time.
Join the family lenders who've traded sticky notes for a proper system. Your family's finances deserve better than a Google Sheet — and every borrower deserves to actually understand what they signed up for.
Open My Bank — Start Free Trial14 days free, then $7.99/month or $59.99/year · Cancel anytime · No judgment (unlike your actual bank)