Asking someone for money can feel uncomfortable, especially over text. But when done correctly, a quick text message can be an easy and non-confrontational way to remind someone about money they owe you. If you’re unsure how to ask for money through a text, you’ve come to the right place.
This Remitly article is designed to help you write a respectful, polite money reminder text that gets results without making things awkward. You’ll learn what to do before sending the message, get helpful templates for different situations, and see what steps to take if you don’t get a response.
What are the key things to consider before you text?
Sending money requests over text is easier when you plan ahead and make it simple for the other person to respond. Here are a few essential things to keep in mind:
Confirm the amount
Always double-check the amount you’re requesting before you send the message. Read over the text to catch any typos—for example, writing 50 when you meant 500. Being accurate prevents confusion or unnecessary back-and-forth.
Pick the right time
Timing makes a big difference. Try not to text late at night, during someone’s busy work hours, or on weekends when they may be distracted. Early evenings around 6 p.m., or during a lunch break at about 1 p.m., usually work well. These times give them space to read your message and reply calmly, making the conversation feel easier for both of you.
Check your language
The tone of your message comes from the words you choose, so keep it polite and straightforward. Avoid slang, sarcasm, or anything that might sound demanding.
For example, instead of saying “Yo, pay me already,” try “Hey, just a reminder about the $75 from dinner yesterday. Thanks.” Clear and friendly language makes the person feel respected and more willing to respond quickly.
Avoid multiple messages at once
Sending multiple payment texts in a row can feel overwhelming. One clear and concise message is usually all you need.
Instead of texting “Hey, can you pay me? It’s been a while,” and then adding, “Seriously, I need that $25 today,” use a single message like, “Hi Alex. Could you send the $25 from breakfast last week when you get a chance?” This keeps things simple and stress-free.
Consider the recipient’s financial situation
Before you request money over text, think about what the other person might be dealing with financially. If the person is on a tight budget or handling unexpected expenses, giving them flexible options for payment could increase your chances of success.
You might suggest splitting the amount into smaller payments or setting a later due date. Being understanding helps keep things smooth and makes it more likely they’ll pay you back.
How to craft the perfect text: five simple steps
After understanding what to consider before texting, the next step is crafting an effective message. Here’s how to do it:
- Step 1: Start with a friendly greeting to set a positive tone. Something like “Hey Alex, hope you’re having a great day,” or “Hi Sam, how’s your week going?” helps the message feel approachable. A friendly opener makes the recipient more comfortable and open to the conversation.
- Step 2: State the reason for the message clearly so the person immediately understands what you’re asking for. This helps avoid any confusion and makes your request feel straightforward.
- Step 3: Be direct about the request, mentioning the amount owed and what it relates to. You might say, “Could you send your $45 share of the pizza from last weekend?” Being direct shows you’re organized while still keeping the tone friendly.
- Step 4: Make it easy for them to pay. Share your payment details upfront so they can send the money without extra steps. Include your Remitly or bank account information directly in the message. For example, “You can send it via Zelle to janedoe@email.com,” or ask, “Would you prefer Venmo or Cash App?” Clear instructions help avoid delays.
- Step 5: End on a positive note with a friendly, reassuring closing. You can say, “No rush, just whenever you get a moment,” or “Thanks so much, talk soon!” Ending with a warm tone shows respect and helps maintain a positive rapport.
Text message templates for different situations
Having ready-made templates can make asking for money much less stressful. Here are a few payment text examples you can copy and adjust for different situations:
Shared bill (dinner, tickets)
You might say:
“Hi John, hope you’re having a good day. Your share of the dinner bill from last night is $80. You can send it to my Venmo here (link). Thanks!”
This serves as a polite reminder and can get you a quick response.
Loan to a friend or family member
Be gentle and clear:
“Hi Doe, hope you’re doing well today. Just checking in about the $100 I lent you last month. No pressure if now is not a good time, just let me know what works.”
This works as a reminder without adding too much pressure.
Group purchase (gift, event)
You want to be concise:
“Hey everyone, hope you’re enjoying the nice weather! Just a reminder that your share for Anna’s gift is $20 each. You can send it to my Zelle at (email/phone). Thanks!”
Clear, simple details help avoid confusion.
Forgotten payment
Use a follow-up tone:
“Hi Sandy, how’s your week going? I’m following up on the payment for the pack of juices. The total was $120. Here’s my payment link. Let me know if you have any questions!”
This gives them a reminder without sounding pushy.
Last-minute or urgent payment
When timing matters, you have to be direct:
“Hey Zoe, how’s everything going for you today? Reminding you about the $200 for your kitchen utensils. If you’re able to send it today, that would be great. Thanks so much!”
This lets them know that the payment is time-sensitive, while still keeping a friendly tone.
Payment for a service you provided
For clients or anyone you’ve worked for professionally:
“Hope you’re having a great day! Keeping you updated on the $70 for your haircut. You can send it through Venmo or Remitly. Thank you.”
This reminds your client that they have an obligation to fulfill.
What if they don’t respond?
Even with a well-written text, sometimes people don’t reply right away. Here’s how to handle it without creating stress or damaging the relationship:
Wait a few days
Give the person some space before following up. Waiting two to three business days is usually enough. People get busy, miss messages, or simply forget. By giving them time, you show respect and patience while still keeping the payment request in the back of their minds. This approach keeps things from feeling rushed or uncomfortable.
Send a gentle follow-up
If there’s still no reply after a few days, it’s perfectly fine to send a light money reminder text. Keep your message short, friendly, and relaxed. For example:
“Hi Alex, this is to remind you of my previous message regarding the $80 from lunch last week. No rush, send it when you can. Thanks!”
This reminder encourages a response without adding pressure or making the conversation awkward.
Consider another method
Sometimes a payment text alone isn’t enough. If your follow-up doesn’t lead to progress, try using a different communication method.
A short phone call, a message on another app, or politely bringing it up the next time you see them in person may help get their attention more effectively. Direct communication can also clear up misunderstandings or give the person a chance to explain delays.
Remember that people can be dealing with busy schedules, unexpected issues, or financial challenges. Staying calm, patient, and respectful can avoid tension and increase the likelihood of reaching a quick and positive resolution.
Keeping it simple and stress-free
Asking for money over text doesn’t have to be awkward. Being clear, polite, and direct makes it easy for the other person to respond. Planning ahead, choosing the right time, and considering the situation all help your message come across smoothly. A quick proofread also prevents confusion and keeps it professional.
Including payment details and maintaining a friendly, respectful tone makes the process simple for them and stress-free for you. If needed, a gentle money reminder text can help ensure you get paid without sounding pushy. This approach lets you get paid while keeping relationships positive and interactions professional.
FAQs
Is it rude to ask for money over text?
Not at all, if you ask politely and respectfully. Texting can actually be easier because it gives the recipient time to process your request. Using courteous language makes your message feel like a friendly reminder, not a demand.
How long should I wait before sending a money reminder text?
Typically, wait for two to three business days before following up. For close friends or family, you might give up to a week. This shows patience while keeping the payment on their radar.
What if they say they can’t pay me back right now?
Be understanding and avoid pressuring them. You can politely ask when a better time might be or suggest splitting the payment into smaller installments. Flexibility helps maintain a positive relationship while still addressing the debt.
Should I use emojis when asking for money?
A simple, friendly emoji, like a smiley face, can make your text feel approachable. Avoid overusing emojis, as too many can seem unprofessional or confusing. The goal is to be friendly, not playful or sarcastic.
Can I add a reason for urgency?
Yes, as long as you stay polite and factual. For example, if you need the money to cover a bill, mention it without pressuring them. You could write:
“Hi, just a reminder about the $80 from last week. I need to settle the restaurant bill by Friday. No rush, but if you can send it before then, that would be great. Thanks!”
Should I include a deadline in my text?
Including a gentle deadline can help, especially for time-sensitive payments. Phrase it politely, like “if possible, by Friday” or “when you get a chance this week.” This makes your request clear without sounding demanding.