Asking someone you love for your money is harder than asking a customer. These ten messages are warm, honest and short. They ask for a date instead of making an accusation.
Written 8 October 2026. The wording is ours: use it as it is or change it. We give no legal advice. Nothing you type here leaves your phone.
Fill this in once and every message below is filled in. Then tap Copy, or Send on WhatsApp and choose the person.
First time you ask
Hi [name], hope you are well. Quick one: do you remember the [amount] for [what it is for]? When do you think you can send it? No stress, I just want to plan.
Hi [name]. I do not like asking, but I need the [amount] for [what it is for] back because I have a bill coming. Can you tell me when you can send it?
Hi [name]. If you cannot send all [amount] now, send what you can and the rest later. Even half would help me. What do you think?
They said "soon" more than once
Hi [name]. I want to keep us good, so I will ask plainly: what day can I expect the [amount] for [what it is for]? A date, even a far one, helps me more than "soon".
Hey [name], how are you? About the [amount] for [what it is for]: please let me know when it will come. I need it by [date]. Thanks, I really appreciate you.
Auntie, Uncle, an elder
Good afternoon, [name]. I hope you and everyone at home are well. Please forgive me for troubling you. I wanted to ask about the [amount] for [what it is for]. When it is convenient for you, I would be grateful if you could send it. Thank you very much.
Hi [name]. About the [amount] for [what it is for]: I know family helps family, and I would like us to settle it so it does not become a thing. Can you send it by [date]?
Hello [name], I hope all is well with you. A small reminder about the [amount] for [what it is for]. When do you think we can close it? Thank you, and greetings to everyone.
Months later
Hello [name]. It has been a while since the [amount] for [what it is for]. I have waited without asking because I value you. Now I need it back. Please tell me how we can settle it, even in small amounts.
Always send this
Thank you [name]. I have received the [amount]. I really appreciate it, and I am glad we sorted it. God bless you.
Free notebook for your money. No password, no MoMo PIN, no Ghana Card.
Message privately, be warm, say what the amount was for, and ask for a date instead of making a demand. Messages 1 and 2 show how.
Keep it to two or three sentences and end with a question: "When do you think you can send it?" A question is easier to answer than a statement.
Use a respectful tone, especially for elders (message 6), and ask when it would be convenient. Offer to take it in parts (message 3).
Ask privately for a date, accept a part if the whole is hard, and write down what you agree. Do not discuss it with other relatives first. For the future, record loans, even small ones.
Be specific about the amount and what it was for, say why you need it, and ask for a date. The ladder of five steps on the debt reminder page shows how to ask again if they do not answer.
Messages written 8 October 2026. General wording, not legal advice. Questions: message us on WhatsApp.