How to Delete a Child Loan

Loans in KiddyCash are a great way to teach kids about borrowing and repayment — whether you set one up to cover school supplies in Nairobi or to help your child buy a birthday gift they’ll pay back from their allowance. But once a loan has served its purpose, or if circumstances change, you’ll want to remove it cleanly. This guide walks you through deleting a loan and explains what to consider before you do.

Before You Delete

Deleting a loan is permanent. KiddyCash does not archive deleted loans, so any repayment history attached to it will no longer be accessible from your dashboard. If you want a record for your own tracking — especially useful if you’re managing multiple children or logging KES amounts across several active loans — take a screenshot or note the balance first.

Also worth checking: if your child has a partial repayment outstanding, deleting the loan does not automatically move that balance anywhere. The funds stay in their wallet unless you manually transfer them. You can view the loan’s current state before proceeding to confirm the outstanding amount.

If you haven’t set up a loan yet and landed here by mistake, start with how to create a loan for a child instead.

Steps to Delete a Loan

  1. Open the loan directly. The fastest way is to navigate to the loan’s URL in the app: https://kiddy.cash/family/kiddy/account/loan/:loan_id Replace :loan_id with the actual ID shown in your loans list. This takes you straight to the loan detail view without extra navigation.

  2. Confirm you’re in the right family profile. If you manage multiple children — common in larger households — check the child’s name displayed at the top of the loan card. Deleting the wrong loan is an easy mistake when kids have similar names or loan purposes.

  3. Tap the three-dot menu (⋮) in the top-right corner of the loan detail screen. This opens the loan action options.

  4. Select “Delete loan.” You’ll see this option alongside others like Edit and Mark as Repaid. If you want to close the loan without erasing history, consider using Mark as Repaid instead — it closes the loan while keeping the record intact.

  5. Review the confirmation prompt. KiddyCash will show you the loan name, the child it belongs to, and the outstanding balance (if any). Read this carefully before confirming.

  6. Tap “Confirm delete.” The loan is removed immediately. Your child’s wallet balance is unaffected — no automatic debit or credit happens on deletion.

When Deletion Makes Sense

There are a few scenarios where deletion is the right call:

  • The loan was created as a test or by mistake.
  • The child’s circumstances changed — for example, you covered the amount via M-Pesa directly and the loan is no longer relevant.
  • You’re restructuring how your family tracks financial responsibilities and want a clean slate.

If you’re rethinking whether loans are the right tool for your family, it’s worth reading about how chores connect to financial literacy for kids — sometimes a responsibility-based allowance structure works better than formal lending for younger children. And if you’re wondering whether to pair loans with tasks, why chores still matter in modern family life offers useful framing.