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Add a loan and fill in its details

Use your agreement or banking app. Understand total debt, amounts already repaid and the monthly payment.

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Updated 7 September 2026

Where to find it

On the website
Menu → Loans → add.
On Android
More → Loans → add.
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Enter your loan details here, checking them against your agreement or banking app. Enter your loan details here, checking them against your agreement or banking app.
On the websiteEnter your loan details here, checking them against your agreement or banking app.Enter your loan details here, checking them against your agreement or banking app.
01

Before you start

A loan card helps with tracking. Your bank remains the source of the exact schedule and outstanding debt. Do not confuse total debt, remaining debt and a single payment.

02

What to do

  1. Add a loan with a recognisable name. Include the bank if it helps distinguish entries.
  2. Enter total debt. Already repaid is the portion repaid before this tracking began; it cannot exceed total debt.
  3. Enter the monthly payment and payment day.
  4. Use the agreement for interest and term. Choose the payment type matching your bank’s schedule.
  5. Choose the account and category for repayment entries.
  6. Check automatic charging: it creates a record, not a payment to the bank. Save.
03

If something goes wrong

  • If you entered current outstanding debt as total debt, do not subtract historical repayments again.
  • Unsure of the payment type: check the bank’s schedule.
  • Large discrepancies usually require correcting the original fields rather than creating another loan card.

What you should see

The loan appears with payment timing and a balance calculated from the details entered.

Cards show the remaining debt and next payment. Recording it in Spendella does not send money to the bank. Cards show the remaining debt and next payment. Recording it in Spendella does not send money to the bank.
On the websiteCards show the remaining debt and next payment. Recording it in Spendella does not send money to the bank.Cards show the remaining debt and next payment. Recording it in Spendella does not send money to the bank.
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Next steps

How to compare debt payoff strategiesRecord a loan payment or early repaymentHow to read spending patterns, comparisons and forecasts
All guides in this topic: Budgets, goals and payments →

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