Financial
Loans & Promissory Notes
Personal loans, secured and unsecured promissory notes, and lending agreements. Free templates — download PDF or Word, no signup required (2026).
Family Loan Agreement (Australia)
A Family Loan Agreement is a written contract between family members — such as parents and adult children, siblings, or other relatives — that formally documents a loan of money from one family member (the lender) to another (the borrower). In Australia, a signed Family Loan Agreement is the most effective way to prevent a loan from being treated as a gift, to protect both parties from misunderstanding, and to address the significant tax implications that can arise when money changes hands between family members. Family loans are extremely common in Australia. Parents frequently lend money to their adult children to assist with home deposits, business start-up costs, vehicle purchases, education expenses, or to bridge a short-term financial gap. Without a written agreement, these arrangements can lead to serious family conflict, especially if the lender later expects repayment and the borrower believes the money was a gift, or if one sibling receives a loan and others believe it should be treated as an advance on inheritance. A Family Loan Agreement protects both parties. For the lender, it creates an enforceable legal obligation for the borrower to repay. For the borrower, it provides certainty about the repayment terms and protects against the lender later claiming the amount is due when no terms were agreed. For families with multiple children, a written agreement ensures transparent and equal treatment of different family members and can help prevent disputes when the lender's estate is eventually distributed. One of the most important considerations for family loans in Australia is the tax implications. The Australian Taxation Office (ATO) applies scrutiny to loans between related parties. If the ATO determines that a loan was actually a gift in disguise — for example, because no interest was charged and no repayment was ever made — it may treat the amount as assessable income in the borrower's hands or as a deemed dividend in the case of company loans. Division 7A of the Income Tax Assessment Act 1997 (Cth) is particularly important for loans made by private companies to shareholders or associates (including family members). Under Division 7A, a loan by a private company to a shareholder or associate that is not on arm's length terms (including interest at least equal to the ATO benchmark rate and minimum annual repayments) may be treated as an unfranked dividend in the income year the loan is made, with potentially significant tax consequences. Even where Division 7A does not strictly apply — for example, where the lender is an individual rather than a company — the ATO may still challenge arrangements that appear to be shams or that lack commercial substance. To maximise the legal and tax effectiveness of a Family Loan Agreement in Australia, the agreement should specify a genuine interest rate (at least the ATO benchmark rate if a company is involved), a realistic repayment schedule that is actually followed, and clear terms for what happens if the borrower defaults. Both parties should retain records of all payments made, and the lender should include any interest received in their assessable income for the relevant tax year. For loans involving real property as security, a mortgage must be registered under the relevant state land titles legislation — for example, the Real Property Act 1900 (NSW), the Transfer of Land Act 1958 (Vic), or the Land Title Act 1994 (Qld). For other personal property security, registration under the Personal Property Securities Act 2009 (Cth) may be appropriate to protect the lender's priority against other creditors. Family loans are generally exempt from the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code when they are not made in the course of a business of providing credit. However, this exemption does not remove the tax obligations or the need for a properly documented written agreement. A well-drafted Family Loan Agreement is an investment in family harmony and financial clarity that can prevent disputes, protect relationships, and ensure compliance with Australian tax law.
Loan Agreement (Australia)
Create a legally sound Australian Loan Agreement that covers the principal amount, interest rate, repayment schedule, security interest, and PPSA registration. Suitable for commercial loans, business lending, and personal loans (NCCP Act compliant). Includes GST provisions and default remedies under Australian law.
Loan Agreement with Payment Plan (Australia)
Create a Loan Agreement with a detailed Payment Plan schedule for Australia. Documents each instalment, due date, and balance. Suitable for structured repayment of personal, business, or private loans under Australian contract law.
Shareholder Loan Agreement — Division 7A (Australia)
Create a Division 7A complying loan agreement under the Income Tax Assessment Act 1936 (Cth) for loans from Australian private companies to their shareholders or associates. Covers the benchmark interest rate (s109N), 7-year unsecured / 25-year secured maximum terms, minimum yearly repayment formula (s109E), and default provisions — helping you avoid a deemed unfranked dividend from the ATO.
Credit Facility Agreement Brazil (Contrato de Abertura de Crédito)
A Credit Facility Agreement (Contrato de Abertura de Crédito) for Brazil — governed by the Código Civil and BACEN regulations, establishing a revolving credit line between financial institution and borrower, with limit, interest rate, term and withdrawal conditions.
Debt Acknowledgment (Canada)
Create a Canadian Debt Acknowledgment where the debtor formally confirms owing a specific amount to the creditor. This template addresses Canadian limitation periods by province (2 years in Ontario, BC, and Alberta; 3 years in Quebec), criminal interest rate limits under section 347 of the Criminal Code, PPSA security interest provisions, and payment methods including Interac e-Transfer. All amounts in Canadian dollars. Covers repayment terms, interest, late penalties, collateral, and governing law referencing your selected province. Download as PDF or Word.
IOU (Canada)
Document an informal loan between individuals in Canada with a simple IOU. Records the borrower, lender, amount in CAD, and repayment date under Canadian law.
Family Loan Agreement (Canada) (Loans)
Create a legally binding Canadian family loan agreement to formalize lending between relatives. This template references the federal Interest Act (R.S.C. 1985, c. I-15), the Criminal Code s.347 interest rate cap of 35% APR, CRA attribution rules for family loans under the Income Tax Act, and provincial consumer protection legislation. Covers loan purpose, interest rates, repayment schedules, late fees, and optional clauses for force majeure, confidentiality, indemnification, and dispute resolution. Select your governing province, fill out the wizard, and download as PDF or Word — free.
Personal Loan Agreement (Canada)
Create a Canadian Personal Loan Agreement between individuals. Covers Criminal Code s.347 interest cap (35% APR), Interest Act compliance, PPSA security registration, ITA s.20(1)(c) deductibility, and flexible repayment schedules.
Personal Guarantee for Loan (Canada)
Create a Personal Guarantee for a loan under Canadian law. Complies with provincial Statute of Frauds requirements, addresses PPSA registration for secured creditors, references the Mercantile Law Amendment Acts, incorporates Alberta Guarantees Acknowledgment Act requirements, and covers continuing guarantees, liability caps, BIA bankruptcy implications, and CRA tax considerations for guarantors.
Promissory Note (Canada)
Formalize a loan between individuals or businesses in Canada with our free Promissory Note template. This document complies with the Bills of Exchange Act (R.S.C., 1985, c. B-4) and the Interest Act (R.S.C., 1985, c. I-15), includes the Criminal Code section 347 criminal interest rate disclosure, and references the Bankruptcy and Insolvency Act. Supports interest-bearing and interest-free options, lump-sum and installment repayment schedules, late payment penalties, and province-specific governing law.
Mortgage Loan Agreement Chile (Contrato de Mutuo Hipotecario)
A Mortgage Loan Agreement (Contrato de Mutuo Hipotecario) for Chile governed by Código Civil Articles 2196–2211 (mutuo) and Articles 2407–2434 (hipoteca), by which a lender (mutuante) delivers a sum of money to a borrower (mutuario) who undertakes to repay an equivalent amount plus interest, secured by a first-ranking mortgage (hipoteca de primer grado) over immovable property inscribed in the Conservador de Bienes Raíces.
Promissory Note Endorsement Colombia (Endoso de Pagaré)
A Promissory Note Endorsement (Endoso de Pagaré) for Colombia governed by the Código de Comercio (CCo) — Decreto 410 de 1971 — Articles 654 through 667, enabling the transfer of rights on a pagaré (título valor) from the current holder (endosante) to a new holder (endosatario). The endorsement may be en propiedad (full transfer), en procuración (for collection), or en garantía (as collateral).
Bill of Exchange Colombia (Letra de Cambio)
A Bill of Exchange (Letra de Cambio) for Colombia governed by the Código de Comercio (Decreto 410 de 1971) Articles 671 through 708, constituting an unconditional order to pay a specified sum. Qualifies as a título valor (negotiable instrument) with executive enforcement through proceso ejecutivo under the Código General del Proceso (Ley 1564 de 2012) Article 422.
Promissory Note Colombia (Pagaré)
A Promissory Note (Pagaré) for Colombia governed by the Código de Comercio (Decreto 410 de 1971) Articles 709 through 721, constituting an unconditional promise to pay a specified sum. Qualifies as a título valor (negotiable instrument) with executive enforcement through proceso ejecutivo under the Código General del Proceso (Ley 1564 de 2012) Article 422.
Bank Loan / Credit Application Colombia (Solicitud de Crédito Bancario)
A formal bank loan or credit application for individuals or businesses in Colombia, governed by Decreto 663 de 1993 (EOSF), Ley 1527 de 2012, and Circular Básica Contable de la Superintendencia Financiera, covering personal loans, business credit, and commercial lines of credit.
Private Loan Agreement Spain (Préstamo entre Particulares)
A Private Loan Agreement (Contrato de Préstamo entre Particulares) for Spain — governed by Código Civil Articles 1740–1755 — formalising loans between private individuals with defined repayment terms, interest provisions, and tax reporting obligations to the Agencia Tributaria under the Modelo 600 ITP-AJD framework.
Bill of Exchange Spain (Letra de Cambio)
A Bill of Exchange (Letra de Cambio) for Spain — governed by Ley 19/1985 Cambiaria y del Cheque Article 1, creating an unconditional written order to pay a specified sum on a fixed date, enforceable through the juicio cambiario procedure before the Juzgado de Primera Instancia.
Loan Agreement Finland
Kirjallinen velkakirja lainanantajan ja lainanottajan välillä velkakirjalain (622/1947), korkolain (633/1982) 4 §:n ja kuluttajaluotossa kuluttajansuojalain (38/1978) 7 luvun mukaisesti. Sääntelee lainan määrää, korkoa, lyhennystä, viivästyskorkoa ja ulosottoa.
Pledge Agreement Finland
Kirjallinen panttaussopimus, jolla pantinantaja asettaa irtaimen esineen, arvopaperit, saatavan tai kiinteistön vakuudeksi päävelvoitteen täyttämisestä. Kauppakaari (3/1734) 10 luku, laki takauksesta ja vierasvelkapanttauksesta (361/1999) ja maakaari (540/1995) 17 luku.
Construction Loan Agreement (Ghana)
A Construction Loan Agreement for Ghana setting out disbursement conditions, drawdown schedules, and security arrangements under the Banks and Specialised Deposit-Taking Institutions Act 2016 (Act 930) and the Mortgage Finance Act 2008 (Act 770).
Demand Promissory Note (Ghana)
A Demand Promissory Note for Ghana under which the maker promises to pay a specified sum on demand to the payee, governed by the Bills of Exchange Act 1961 (Act 55), section 83.
Loan Agreement (Ghana)
A formal Loan Agreement for Ghana documenting a lending arrangement between a lender and borrower, including interest rate, repayment schedule, and security, governed by the Contracts Act 1960 (Act 25) and regulated by the Bank of Ghana.
Mortgage Agreement (Ghana)
A Mortgage Agreement for Ghana securing a loan against real property under the Mortgages Act 1972 (NRCD 96), the Land Act 2020 (Act 1036), and the Land Act 2020 (Act 1036), with registration at the Lands Commission of Ghana.
Susu Savings Group Agreement (Ghana)
A binding Susu Savings Group Agreement for Ghana governing rotating savings and credit associations (ROSCAs) under the Deposits Protection Act 2016 (Act 931) and the Contracts Act 1960 (Act 25).
Loan Agreement (Hong Kong)
A legally binding loan agreement for use in Hong Kong, covering principal amount, interest rate, repayment schedule, and default provisions under Hong Kong common law and the Money Lenders Ordinance (Cap. 163).
Personal Loan Agreement (Hong Kong)
A personal loan agreement between individuals in Hong Kong, documenting principal, interest, repayment terms, and default provisions under common law and Cap. 163.
Promissory Note (Hong Kong)
An unconditional written promise to pay a fixed sum in HKD under the Bills of Exchange Ordinance (Cap. 19) of Hong Kong. Used for personal and commercial lending between private parties, intercompany loans, and short-term financing arrangements. No GST or VAT in Hong Kong.
Shareholder Loan Agreement (Hong Kong)
A Shareholder Loan Agreement for Hong Kong formalising a loan from a shareholder to their company, documenting the terms to ensure proper corporate governance.
Loan Agreement (India)
A personal or private loan agreement for India governed by the Indian Contract Act 1872 and RBI guidelines. Documents the principal amount, interest rate, repayment schedule, security, and default provisions. Section 269SS of the Income Tax Act requires loans above ₹20,000 to be via banking channels.
NBFC Loan Agreement
A loan agreement for credit extended by a Non-Banking Financial Company (NBFC) in India, compliant with RBI NBFC regulations, the Indian Contract Act 1872, and the RBI Fair Practices Code.
Personal Loan Agreement (India)
A personal loan agreement governed by the Indian Contract Act 1872, documenting a loan between individuals or between an individual and a private lender. Sets out the principal amount, interest rate (compliant with RBI guidelines), repayment schedule, and consequences of default.
Promissory Note (India)
A legally binding promissory note under the Negotiable Instruments Act 1881 (Section 4), executed on stamp paper as required by the Indian Stamp Act 1899. Covers principal, interest, repayment schedule, default provisions, and Section 138 criminal liability for dishonour.
Intercompany Loan Agreement (Kenya)
A Kenya Intercompany Loan Agreement for loans between related companies within a group, compliant with the Companies Act No. 17 of 2015 and the Income Tax Act Cap. 470 transfer pricing rules.
Loan Agreement (Kenya)
A Kenya Loan Agreement recording the terms of a personal or commercial loan, compliant with the Law of Contract Act Cap. 23 and the Central Bank of Kenya Act Cap. 491.
SACCO Loan Application Form (Kenya)
A Kenya SACCO Loan Application Form for members applying for a loan from a Savings and Credit Cooperative Society, compliant with the Sacco Societies Act No. 14 of 2008 s.41 and SASRA credit policy requirements.
Loan Agreement
Lending money to a friend, family member, or business partner? Handshake deals go south fast when memories differ. A Loan Agreement puts the amount, interest rate, repayment schedule, and late-payment penalties in black and white — protecting both the lender and the borrower. It's the difference between a favor and a legal obligation. Our template covers secured and unsecured loans, prepayment terms, default remedies, and governing law. Enter the loan details, preview in real time, and download as PDF or Word — free, no account needed.
Car/Auto Loan Agreement
Financing a private car sale or lending money for a vehicle purchase? A Car/Auto Loan Agreement documents the vehicle details, loan amount, APR, monthly payments, and security interest in the vehicle under UCC Article 9 (title lien notation). Protects the lender's right to repossess if the borrower defaults, and includes TILA-style disclosures for consumer auto loans. Free template — fill, preview, and download as PDF or Word.
Employee Loan Agreement
Advancing money to an employee? An Employee Loan Agreement documents the loan amount, repayment through payroll deductions, interest rate, and what happens if employment ends before the loan is repaid. It ensures compliance with the Fair Labor Standards Act (FLSA) wage deduction rules and state payroll deduction laws. Protects the employer's right to collect while maintaining a professional employment relationship. Free template — fill, preview, and download as PDF or Word.
Loan with Pledge Agreement Mexico (Préstamo con Garantía Prendaria)
A Loan with Pledge Agreement (Préstamo con Garantía Prendaria) for Mexico — governed by the Código Civil Federal Articles 2856–2892, creating a real security interest (derecho real de garantía) over personal property pledged as collateral for a loan, perfected by delivery of the pledged asset to the lender or pledge holder.
Personal Loan Agreement Mexico (Contrato de Préstamo Personal)
A Personal Loan Agreement (Contrato de Préstamo Personal) for Mexico — governed by the Código Civil Federal Articles 2384–2397, establishing the terms of a mutuo civil between lender and borrower, including principal, interest, repayment schedule, and default provisions under Mexican civil law.
Promissory Note Mexico (Pagaré)
A Promissory Note (Pagaré) for Mexico — governed by the Ley General de Títulos y Operaciones de Crédito (LGTOC) Article 170, establishing an unconditional promise to pay a sum certain in Mexican pesos at a fixed date or on demand, with moratory interest and executive enforcement (vía ejecutiva mercantil).
Bank Guarantee (Malaysia)
A bank guarantee for Malaysia issued under the Financial Services Act 2013 and ICC URDG 758. The issuing bank's unconditional undertaking to pay the beneficiary upon demand if the principal fails to perform a contractual obligation. Used for tender, performance, advance payment, and retention guarantees.
Debt Settlement Agreement (Malaysia)
A Debt Settlement Agreement for Malaysia by which a creditor and debtor agree to settle an outstanding debt for a reduced lump sum or on revised payment terms — governed by the Contracts Act 1950 and the Limitation Act 1953. Covers the settlement amount, payment schedule, discharge of liability, and release of claims.
Diminishing Musharakah Agreement (Malaysia)
A Shariah-compliant Diminishing Musharakah (Musharakah Mutanaqisah) home financing agreement for Malaysia under the Islamic Financial Services Act 2013. The bank and customer co-own the property, with the customer progressively buying out the bank's share while paying rental — replacing the conventional mortgage structure.
P2P Lending Agreement (Malaysia)
A Peer-to-Peer (P2P) Lending Agreement for Malaysia governing the issuance of investment notes or Islamic financing instruments by SMEs to investors through a Securities Commission Malaysia-registered P2P platform under the Capital Markets and Services Act 2007 (CMSA 2007) and SC's P2P Financing Guidelines.
Salam Agreement (Malaysia)
A Shariah-compliant Salam (forward purchase) agreement for Malaysia, structured under the Islamic Financial Services Act 2013 and BNM Shariah Advisory Council standards. Used for advance payment commodity financing where the seller delivers specified goods at a future date in exchange for full upfront payment.
Staff Loan Agreement (Malaysia)
A Staff Loan Agreement for Malaysia between an employer and employee for a salary advance or staff loan, with salary deduction repayment schedule under the Employment Act 1955 (Act 265). Covers loan amount in RM, interest rate, deduction method, and conditions for early repayment on resignation or termination.
Debt Acknowledgement (Nigeria)
A formal acknowledgement of debt for Nigeria, confirming the existence and amount of an outstanding debt obligation. Compliant with the Limitation Law applicable in the relevant state (Limitation Law of Lagos State 2015, Limitation Act Cap. L16 LFN) and Nigerian contract law governing acknowledgement to reset the limitation period.
Business Loan Agreement (Nigeria)
A Business Loan Agreement for Nigerian companies and sole traders, documenting commercial lending between a lender and a business borrower. Complies with the Banks and Other Financial Institutions Act 2020 (BOFIA 2020), the Money Lenders Law of applicable states, and CAMA 2020.
Personal Loan Agreement (Nigeria)
A Personal Loan Agreement for individual borrowers in Nigeria, documenting a loan between a lender and an individual for personal use. Complies with Nigerian contract law, the Money Lenders Laws of applicable states, and the Personal Income Tax Act for interest reporting.
SME Loan Agreement (Nigeria)
An SME Loan Agreement for Nigeria governing a commercial loan to a small or medium enterprise under the Central Bank of Nigeria (CBN) SME financing framework, covering loan amount, interest rate, repayment schedule, security, and default remedies.
Vehicle Hire Purchase Agreement (Nigeria)
A Vehicle Hire Purchase Agreement for Nigeria by which a finance company or bank lets a vehicle to a hirer who pays instalments until full payment of the purchase price, governed by the Hire Purchase Act (Cap H4, LFN 2004) and the Central Bank of Nigeria consumer finance guidelines.
Promissory Note Norway
Skriftlig Gjeldsbrev for Norge etter gjeldsbrevlova (1939) med angivelse av hovedstol, rente, nedbetalingsplan, sikkerhet og mislighold, og med forsinkelsesrente etter renteloven (1976) ved forsinket betaling.
Private Loan Agreement Norway
Privat laaneavtale for Norge mellom to privatpersoner, med angivelse av laanebeloep, rente, nedbetalingsplan, sikkerhet og mislighold, etter avtaleloven (1918), gjeldsbrevlova (1939) og renteloven (1976).
Family Loan Agreement (New Zealand)
A New Zealand Family Loan Agreement documents a loan between family members — for example, a parent lending money to an adult child for a house deposit. It is governed by the Contract and Commercial Law Act 2017 (CCLA). Without a written family loan agreement, there is a risk that courts or the IRD may treat the advance as a gift rather than a loan, with tax and relationship property implications. Under the Property (Relationships) Act 1976, a loan from one family member to a spouse or partner may affect how relationship property is divided on separation. The IRD may require interest to be charged on loans between associated persons to avoid income tax issues. Key clauses cover: loan amount, purpose, interest (if any), repayment, relationship property acknowledgement, gift versus loan declaration, and demand provisions.
Payment Plan Agreement
Owe money but can't pay it all at once? Or someone owes you and you'd rather get paid in installments than not at all? A Payment Plan Agreement breaks a debt into manageable chunks — setting the amount, frequency, interest (if any), late fees, and what triggers a default. It protects both sides and keeps the arrangement enforceable. Our template covers the total balance, installment schedule, payment method, penalties, and acceleration clauses. Fill in the terms, preview in real time, and download as PDF or Word — free, no account needed.
Car Loan Agreement (Philippines)
A Car Loan Agreement for the Philippines covering vehicle purchase financing, chattel mortgage security under the Chattel Mortgage Law (Act No. 1508), and disclosure requirements under the Truth in Lending Act (RA 3765).
Loan Agreement (Philippines)
A Loan Agreement for the Philippines under the Civil Code Articles 1933-1961 and the Negotiable Instruments Law (Act No. 2031), governing a personal or commercial loan between private parties. Covers loan amount, interest, repayment, collateral, default, and remedies.
Personal Loan Agreement (Philippines)
A Personal Loan Agreement for the Philippines governed by the Civil Code (Republic Act No. 386) and the Truth in Lending Act (Republic Act No. 3765). Covers loan amount, interest rate, repayment schedule, and default remedies.
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