Debt Contract

Findoms Only is your perfect place for setting up findom debt contracts and agreements. Find subs, or have your existing subs sign up, so that you can set up a debt contracts that guarantee payments go through using our built-in payment system.

Our dedicated findom debt contracts feature allows you to collect fees, decide intrest rates, set payment terms, send reminders and much more. You can customise your contract and use the built-in tools so that you can focus more on enjoying the dynamic that makes debt contracts so appealing.

Create Debt Contract

Findoms Only Sellers Debt Contract Sellers

What is a findom debt contact and how do I create one?

Findom is fast becoming the most exciting concept within the fetish community. Incorporating power balance and financial control, findom or financial domination as it’s officially known, allows folks to explore the ins and outs of a Dominant and submissive relationship.

Within the findom relationship there will be a sub (submissive person) and a Dom (dominant person) and the sub will relinquish control of some or all of their money to the Dom. This could be done through playing games, chat sessions or setting up a debt contract.

What is a findom debt contract?

A debt contract between a sub and Dom will consist of a written agreement outlining how the Dom will assert power over the sub's finances. Both parties will agree on the details before the contract is signed and the debts start to be paid.

It’s not legally enforceable but it can be a great way to ensure that debts from findom activities can be reclaimed. It sets out an understanding between the two people in the findom relationship so that each person knows exactly what to expect.

How do I set up a findom debt contract?

A debt contract may seem like a daunting thing to create if you are new to findom, however it is relatively simple and it is completely up to you what you want to put in it. Follow the steps below to get started:

  • The first thing you need to do is find a sub, we would recommend you use someone who you have already had contact with or someone who is more experienced with how the sub and Dom dynamic works. Alternatively sign up to findomsonly.com as a Dominant and look for subs.
  • Next you need to figure out an amount that you would like your sub to owe you, remember you can add on any interest to a payment schedule if you wish and can include penalties for missed payments.
  • You can also include requests for early payments or if the debt is paid off in full.
  • Then, gather some essential information from your sub, such as where they’re from, their relationship status, and their job and salary.
  • The implications of you having this private information will provide a thrill for your client regarding the consequences if they don’t pay the debt.
  • Find out what your subs financial situation is so that you can get an idea of what to charge them.
  • The contract can be long term or short term, 6 months is usually a good length of time and then you can always renegotiate an end date if necessary.
  • Charge a fee for your contract upfront. You can call it an application fee or legal fees, but it ensures that the sub is serious about engaging in the contract.
  • Keep in mind that subs often bring up debt when they’re feeling aroused but may not actually want to follow through with it in real life. It’s important to note that for many subs, the idea of debt is just a fantasy, and not something they actually want to commit to. This is why we recommend entering into a debt contact with a sub you trust.

It’s important to remember that for many guys, when dynamics change and a findom relationship ends, any “debt” that was incurred may not be respected. For them, it was simply part of a game. This is why establishing a contract at the beginning is a good idea, it means they are more likely to honour their payments.

Why should I use Findomsonly?

Findomsonly is a site that is dedicated to all things findom. Whether you are completely new to findom and would like to find out more or you are professional Dominatrix, we have something to interest you on our platform.

We have members from across the globe who are eager to communicate with you and discuss their fetishes and desires. We have subs and Doms and a range of findom games and experiences on offer. Have a look through some of our current members and games to get an idea of what to expect.

It’s straightforward to get signed up and once you do, you can take full advantage of what the website has to offer. Browse thousands of listings, create a profile and start chatting to other users through our dashboard and messaging system.

What is a Findom Debt Contract?
A findom debt contract is a financial agreement between a Dominant and a sub, where the sub agrees to pay back an agreed amount over time with interest.
How does a Findom Debt Contract work?
The Dominant sets the terms including principle (initial amount), interest rate, and payback frequency. The sub agrees to these terms and makes regular payments until the debt is paid off.
What are the risks of a Debt Contract?
Subs risk defaulting on payments and incurring penalties. Dominants risk not receiving full payment if the sub defaults.
What is the setup fee?
The setup fee is a one-time charge paid by the sub to the Dominant when activating the debt contract. It's separate from the principle (initial amount) and is not part of the repayment schedule. This fee compensates the Dominant for setting up and managing the contract.
What is payback frequency and how does it work?
Payback frequency determines how often payments are made on the debt. Options include weekly, bi-weekly, and monthly. For example, if you choose weekly on a 3-month contract, you'll make 12 payments. This affects the size of each payment and how often you need to pay.
Can I repay the debt early?
Yes, you can repay the debt early. The system allows for partial or full repayments at any time.
What are partial payments and how do they work?
Partial payments allow you to pay more than the scheduled amount but less than the full remaining debt. These extra payments reduce your total debt faster. The system automatically adjusts future payments based on partial payments made.
How is a debt contract activated?
After the Dominant creates the contract, the sub must activate it. Activation requires the sub to pay the setup fee. Once activated, the contract starts on the specified start date, and the repayment schedule begins.
Can a debt contract be cancelled?
Yes, a contract can be cancelled before activation by either party. After activation, cancellation terms depend on the agreement between buyer and seller. The system allows for contract closure at any time, but this should be mutually agreed upon.
What payment methods can be used for debt contracts?
Debt contracts use KinkCoins, our platform's internal currency, for all transactions. This ensures privacy and security. You can top up your KinkCoins balance using various payment methods available on the platform.
What happens if I miss a payment?
If a scheduled payment is missed, it's marked as overdue in the system. Our automated system will attempt to process the payment the next day if sufficient funds are available in the buyer's account. You'll receive notifications about missed payments and subsequent payment attempts. You can also make manual payments to resolve missed payments by going to Payment Options on the View Debt Contract page.
Can a debt contract be edited after creation?
Before activation, the seller can edit all aspects of the contract. No changes can be made after activation. Any changes would require cancelling the current contract and creating a new one with updated terms.
Can I have multiple debt contracts at once?
Yes, both subs and Dominants can have multiple active debt contracts simultaneously. However, be mindful of your ability to manage multiple repayment schedules as a sub, or multiple contracts as a Domintant.
How private are debt contracts?
Debt contracts are private between the Dominant and sub. Other users cannot see the details of your contracts. However, the existence of an active contract is made visible on the dashboard if the contract was not marked as private before activation. Always exercise caution and only enter into contracts with users you trust.
What are automatic payments?
Our system includes an automatic payment feature for debt contracts. This feature attempts to process scheduled payments automatically on their due date, using the KinkCoins in the buyer's account. This helps ensure timely payments and reduces the manual effort required from both Dominants and subs.
How are overdue payments handled?
We have an automated system that checks for overdue payments daily. If a payment is overdue, the system will attempt to process the payment using the KinkCoins in the subs account. This helps to catch up on missed payments quickly. Both the Dominant and sub are notified of successful payments or payment failures. This process ensures transparency and helps maintain the integrity of the debt contract.
What happens if I lose my job or can't make payments?
If you're unable to make payments, communicate with the seller. Remember, this is a game and not a legally binding contract. However, repeated missed payments may affect your standing with the Dominant and potentially the platform.
Can I negotiate the terms of the debt contract?
Terms are set by the Dominant when creating the contract. If you want different terms, you should discuss with the Dominant before activating the contract. Once activated, terms cannot be changed.
Are there any penalties for early repayment?
No, there are no penalties for early repayment - unless you agreed with the Dominant that there would be a penalty. You can pay off the debt in full or make larger payments at any time without additional charges.
How does the debt contract affect my credit score?
This debt contract is part of a financial domination game and has no impact on your real-world credit score or financial records.
What's the difference between a debt contract and a real-world loan?
This debt contract is part of a financial domination game. It's not a real loan, has no legal standing, doesn't affect your credit, and isn't reported to any financial institutions. It's purely for roleplay within our platform.
Debt Contract Calculator
The initial amount of KinkCoins, between 0 and 10000.

The annual interest rate for this debt, between 0% and 100%.
The duration of the debt contract in months.
How often payments will be made on this debt.

Premium Sellers are able to Create a Debt Contract with buyers, that supports a set up fee, automated transactions for overdue payments, interest, early repayment and more. 0% commission is taken.