Use person-to-person lending for a short-term request that is funded once and repaid once. Use a savings circle for a longer fixed plan with scheduled contributions and payouts.
Borrowers see the service fee and any possible late fee before confirming. Lenders see the Sandoogh-funded bonus and available protection options before funding.
One P2P repaymentNo hidden borrower feesFixed circle schedule
Short-term P2P with one repayment
Longer-term circles on a fixed plan
Choose your Sandoogh path
Three clear products
Money shared with structure
S
Borrow once
$600
One repayment on May 15
Lend once
$600
Principal back, then a bonus from Sandoogh
Savings circle
$100 monthly
A fixed contribution and payout plan for the whole group
Simple distinction: P2P is one short-term loan. A circle runs over time.Clear
Choose the path that fits
Borrowers, lenders, and circle members each get a separate experience with terms designed for what they are trying to do.
Get funded now, then repay once on the date you choose.
Create one request, send it to a lender you know or to the marketplace, and make one repayment. Your service fee, possible late fee, and complete terms are shown before you submit.
01 Set up a request
Choose the amount and one repayment date
Enter how much you need and when you will repay the full principal. Before you continue, Sandoogh shows the service fee and the late fee rule that would apply only if you miss the date.
No hidden fees. You see the loan amount, Sandoogh service fee, possible late fee, and every other cost before sending the request.
You review every cost before the request can be sent. There are no hidden fees.
02 Send to a lender
Choose someone you know or open the request to the marketplace
Send the request privately to one lender by name, or share it with verified marketplace lenders. The amount, repayment date, and disclosed costs stay the same either way.
You stay in control. Nothing is funded until a lender accepts the exact request you submitted.
The request keeps the same one-payment terms whether it is sent directly or to the marketplace.
03 Repay once
Make one payment on the agreed date
Sandoogh reminds you before the due date. You repay the full principal in one payment, not in installments. If the repayment is late, the disclosed late fee may apply and collection follow-up begins.
One request, one repayment. The lender receives the principal back in full after your payment clears.
This is one full repayment. There is no installment schedule.
P2P for lenders · Short term
Help someone now, then receive your principal and a bonus from Sandoogh.
Choose a request, fund it once, and wait for one repayment. Sandoogh handles collections when a borrower does not pay on time, and optional insurance can help reduce repayment risk.
01 Choose a request
Review the amount, due date, history, and protection options
Open a direct request from someone you know or browse the marketplace. Each request shows the one-time funding amount, one repayment date, available borrower history, and the Sandoogh bonus.
Everything is visible before you choose. You can fund the request as presented or pass without negotiating.
Past history helps you review a request, but it does not guarantee repayment.
02 Fund once
Send the full amount after the terms are clear
Fund the request in one payment. Before confirming, you can review available repayment insurance and see the bonus Sandoogh will pay after the borrower's repayment clears.
Collection support is included. If the borrower misses the due date, Sandoogh handles reminders and collections.
If repayment is late, Sandoogh handles reminders and collections.
03 Get repaid
Receive the principal back in one payment
The borrower repays the full principal on the agreed date. You can follow the status in your wallet while Sandoogh manages reminders, late follow-up, and collections when needed.
Insurance can hedge part of the risk. Coverage depends on the option selected before funding and the applicable terms.
Position 6 has been fixed since the circle was created.
You receive this monthAlready paid outComing later
Know what applies before money moves.
Borrower costs, lender rewards, identity checks, wallet funding, and agreement terms stay visible before anyone confirms.
Funds kept separate
Wallet funds are held with a regulated financial partner rather than by Sandoogh.
Bank or debit funding
Credit cards are not accepted. Members fund their wallet through a linked bank account or eligible debit card.
Verified participation
Members complete identity verification before they can borrow, lend, contribute, or receive a payout.
Clear costs and rewards
Borrowers see the service fee, possible late fee, and no hidden fees. Lenders see the Sandoogh-funded bonus and available insurance options before funding.
Early access
Bring structure to money shared between people.
Join the waitlist for product updates, early access invitations, and a first look at the Sandoogh experience.
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Thanks for your interest in Sandoogh. We will keep you posted as the product develops.