Self-help templates
Loan Agreement
For lending money between people or small businesses, with or without interest. Includes a receipt.
Card payment through Stripe. Your files are ready straight after payment and are also sent by e-mail.
How to use it
- When: one person lends money to another (family, friends, partners, small businesses), with or without interest, to be repaid on a set date or in instalments.
- Fill in everything in [square brackets] and delete the options you do not use. If there is no interest, say so clearly.
- Form: write it down, sign two originals, and keep proof that the money was handed over (bank transfer with a clear reason, or a signed receipt).
- Not for: consumer credit offered by a lender as a business, mortgages, or loans between relatives that you intend as a gift.
What is inside
- Art. 1. The loan
- Art. 2. Purpose *(optional)*
- Art. 3. Repayment
- Art. 4. Interest *(optional; if none, write "The Loan is interest-free.")*
- Art. 5. Late payment
- Art. 6. Security *(optional)*
- Art. 7. Proof of payments
- Art. 8. Notices
- Art. 9. Governing law and disputes
- Art. 10. Final provisions
- Annex: Receipt
- Notes on the clauses and a checklist of what to check under your country's law
What these templates are not
- They are self-help templates, not legal advice, and they do not replace a lawyer.
- Laws differ from country to country, and some rules cannot be changed by contract. Each template ends with a checklist of what to check where you live.
- For a high-value or unusual situation, ask a local lawyer or notary to look at the final text.
TheLawToKnow Tools. Self-help template. Not legal advice. Check the law currently in force. Written with the help of AI tools and reviewed by a lawyer-author.