[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"page-\u002Fcategories\u002Fbusiness\u002Floan-agreement":3},{"type":4,"data":5},"product",{"product_name":6,"slug":7,"category_slug":8,"order_type":9,"product_version_slug":10,"preview":11,"is_previewable":12,"related_products":13,"related_articles":39,"breadcrumbs":72,"productName":6,"productDescription":-1,"productVersionSlug":10,"localeId":-1,"landerSlug":7,"categorySlug":8,"_cmsSource":78,"hero":79,"quickLinks":84,"page_body":97,"meta_information":220,"sidebar_ad":225,"disclaimer":82,"stateSlug":81},"Loan Agreement","loan-agreement","business","Document","la-8678","<center><p class='title center'><strong>LOAN AGREEMENT<\u002Fstrong><\u002Fp><\u002Fcenter><br \u002F><br \u002F><p>THIS LOAN AGREEMENT (the "<strong>Agreement<\u002Fstrong>"), entered into as of <span style='background: #BBBBBB;'>_____________<\u002Fspan>, is hereby made by and between the Parties stated below (each a "<strong>Party<\u002Fstrong>").<\u002Fp><p>WITNESSETH:<\u002Fp><p>WHEREAS, Lender intends to provide, and Borrower intends to receive, a loan upon the terms and conditions hereinafter set forth;<\u002Fp><p>WHEREAS, each Party has full authorization to enter into this Agreement in the capacity in which it is signing; and<\u002Fp><p>NOW THEREFORE, in consideration of the mutual promises made below, the Parties agree as follows:<\u002Fp><ol>  <li><strong>Parties.<\u002Fstrong> The Parties to this Agreement are as follows (each a "<strong>Borrower<\u002Fstrong>" and "<strong>Lender<\u002Fstrong>," respectively):    <br \u002F>          <\u002Fli>  <li><strong>Promise of Repayment.<\u002Fstrong> Lender will loan to Borrower, and Borrower promises to repay Lender, a total principal amount of <span style='background: #BBBBBB;'>_____________<\u002Fspan> USD.<\u002Fli>      <li><strong>Interest.<\u002Fstrong> No interest will be due or payable under the terms of this Agreement.<\u002Fli>      <li><strong>Method of Payment.<\u002Fstrong> Acceptable methods of payment are as follows: .<\u002Fli>      <li><strong>Payment and Notice Addresses.<\u002Fstrong> All payments may be delivered to Lender's address stated above or any place or in any other manner as identified under this Agreement or as may be designated from time to time in writing by Lender. Notices will be in writing and delivered in person, sent by facsimile, or sent by reputable overnight delivery service to each Party's respective address stated above or to any place or in any other manner as may be designated from time to time in writing by the Parties.<\u002Fli>      <li><strong>Prepayment.<\u002Fstrong> Borrower does not have the right to prepay any portion of the principal balance of the loan, whether in full or in part, unless Lender provides prior written consent.<\u002Fli>        <li><strong>Collateral.<\u002Fstrong> This is an unsecured agreement.<\u002Fli>        <li><strong>Recourse.<\u002Fstrong> THIS AGREEMENT ALLOWS LENDER TO SEEK RECOURSE AGAINST ANY PERSONAL ASSETS OF BORROWER. The personal assets are therefore subject to the payment of this debt.<\u002Fli>    <li><strong>Events of Default.<\u002Fstrong> In addition to any other events of default specified herein, the following events, without limitation, will constitute a default:<\u002Fli>  <ol>    <li>Borrower's failure to pay all monies owed in full on or before the Due Date;<\u002Fli>        <li>Borrower's failure to cure a breach of this Agreement on or before <span style='background: #BBBBBB;'>_____________<\u002Fspan> days after Lender gives Borrower written notice thereof;<\u002Fli>    <li>Any material misrepresentation by Borrower of a fact or promise made in this Agreement or any statement, document, or certification delivered to Lender in accordance herewith;<\u002Fli>    <li>Any withdrawal, revocation, expiration, or termination of a necessary authorization required by any government or other organization in order to execute, perform, and enforce this Agreement;<\u002Fli>    <li>Borrower's filing any voluntary or involuntary petition for relief under the United States Bankruptcy Code; and<\u002Fli>    <li>The death or dissolution of either Party.<\u002Fli>  <\u002Fol>  <li><strong>Acceleration.<\u002Fstrong> Should Borrower default under or otherwise breach this Agreement and not cure said default or breach on or before <span style='background: #BBBBBB;'>_____________<\u002Fspan> days after Lender gives Borrower written notice thereof, by personal delivery or certified mailing, all principal remaining unpaid and interest accruing thereon will, at the option of Lender, become immediately due and payable to Lender. The date of notice will be the date of delivery or the date of mailing.<\u002Fli>  <li><strong>No Waiver.<\u002Fstrong> No delay or failure in giving notice of a default or breach will constitute a waiver of the right of Lender to exercise its right of acceleration or any other right Lender may have hereunder in the event of a subsequent or continuing default or breach.<\u002Fli>  <li><strong>Attorney Fees and Court Costs.<\u002Fstrong> In the event of a default or breach under this Agreement, Borrower covenants to pay Lender all collection and\u002For litigation costs incurred, including reasonable attorney fees and court costs, whether or not a judgment is received and whether or not a lawsuit is filed.<\u002Fli>  <li><strong>Taxes.<\u002Fstrong> Borrower covenants to make all payments due hereunder to Lender without setoff or counterclaim and without deducting for taxes or withholdings of any nature whatsoever that may be imposed by any tax or governmental authority. In the event that law or regulation requires Borrower to make such a deduction or withholding from a payment due hereunder, Borrower covenants to increase the amount of such payment to the extent necessary to ensure that Lender receives an amount equal to that which it would receive if no such law or regulation were in effect and to provide Lender with official documentation, to Lender's satisfaction, evidencing Borrower's payment of the deduction or withholding.<\u002Fli>  <li><strong>Borrower Representations and Warranties<\u002Fstrong><\u002Fli>  <ol>    <li>Borrower represents and warrants that it has the full power and authority to enter into and perform this Agreement according to the terms hereof and has taken, and will take, any and all actions necessary to authorize the execution and performance of this Agreement according to the terms hereof; and<\u002Fli>    <li>Borrower represents and warrants that it has obtained all necessary approvals, licenses, permits, and\u002For other authorizations required by any government or other organization in order to execute, perform, and enforce this Agreement, that all such authorizations are in effect, and that it will continue to obtain any such authorizations that may become required hereafter.<\u002Fli>  <\u002Fol>  <li><strong>Borrower Covenants<\u002Fstrong><\u002Fli>  <ol>    <li><strong>Costs and Expenses.<\u002Fstrong> Borrower covenants to reimburse Lender for all reasonable out-of-pocket expenses Lender incurs in enforcing this agreement, including reasonable attorney fees and court costs. Additionally, Borrower will pay any stamp or other similar duties and taxes to which this Agreement is subject.<\u002Fli>  <\u002Fol>      <li><strong>General Provisions<\u002Fstrong><\u002Fli>  <ol>    <li><strong>Governing Law.<\u002Fstrong> The Parties agree that the laws of the State of <span style='background: #BBBBBB;'>_____________<\u002Fspan> will govern this Agreement without regard to its conflict-of-law provisions. Any claims or disputes concerning this Agreement will, at the sole election of Lender, be adjudicated in <span style='background: #BBBBBB;'>_____________<\u002Fspan> County.<\u002Fli>    <li><strong>Successors and Assigns.<\u002Fstrong> Lender may transfer this Agreement to another holder without notice to Borrower; however, Borrower will not be liable to any assignee for any amounts greater than it would otherwise be liable for under this Agreement. Borrower agrees to remain bound under the terms of this Agreement to any subsequent holder of this Agreement. Borrower covenants and warrants not to assign its rights or obligations under this Agreement without Lender's prior written consent. Each Borrower identified in this Agreement will be jointly and severally liable for the repayment of the debt described herein, and the terms of this Agreement will be equally binding upon and will inure to the benefit of the Parties and their heirs, executors, administrators, successors, and permitted assigns.<\u002Fli>    <li><strong>Entire Agreement.<\u002Fstrong> This Agreement constitutes the entire agreement of the Parties and supersedes any and all other prior and contemporaneous agreements and understandings, both written and oral, between the Parties.<\u002Fli>    <li><strong>Amendment.<\u002Fstrong> No amendment, modification, termination, or waiver of any provision of this Agreement will be effective unless it is in writing and signed by both Borrower and Lender.<\u002Fli>    <li><strong>Time of Essence.<\u002Fstrong> Time is of the essence concerning all provisions contained in this Agreement.<\u002Fli>    <li><strong>Waivers.<\u002Fstrong> Borrower hereby waives presentment for payment, demand, notice of dishonor, protest, and all other demands and notices, in connection with the delivery, acceptance, performance, or other enforcement of this Agreement.<\u002Fli>    <li><strong>No Implied Waiver; Cumulative Remedies.<\u002Fstrong> Lender's failure to exercise any right or remedy provided in this Agreement will not be construed as a waiver of any future exercise of that right or exercise of any other right or remedy to which Lender may be entitled. No delay or omission on the part of Lender in exercising any right hereunder will operate as a waiver of any other right under this Agreement. No right conferred upon Lender by this Agreement will be exclusive of any other right referred to herein or now or hereafter available at law, in equity, by statute or otherwise, and all remedies will be cumulative and not in the alternative.<\u002Fli>    <li><strong>Severability.<\u002Fstrong> If any provision of this Agreement is held by a court of law to be illegal, invalid, or unenforceable, then that provision will be deemed amended to achieve as nearly as possible the same economic effect as the original provision, and the legality, validity, and enforceability of the remaining provisions of this Agreement will not be affected or impaired thereby.<\u002Fli>    <li><strong>Headings.<\u002Fstrong> The headings used in this Agreement are provided for convenience only and will not be used in construing the meaning or intent of the corresponding provisions.<\u002Fli>    <li><strong>Counterparts.<\u002Fstrong> This Agreement may be executed in any number of counterparts, including by facsimile transmission or by e-mail delivery, each of which when executed and delivered shall constitute an original of this Agreement, but all the counterparts shall together constitute the same agreement. No counterpart shall be effective until each Party has executed at least one counterpart.<\u002Fli>  <\u002Fol><\u002Fol><p class="center"><strong>[Signature Page Follows]<\u002Fstrong><\u002Fp><div class='-page-break'><\u002Fdiv><p>IN WITNESS WHEREOF, the Parties have executed this Agreement as of the date affixed to each signature.<\u002Fp><br><div class='-page-break'><\u002Fdiv><center><p class='title center'><strong>Instructions for Your Loan Agreement<\u002Fstrong><\u002Fp><\u002Fcenter><br \u002F><br \u002F><p>This loan agreement specifies all of the important terms and conditions for repayment of a loan. This loan agreement can be adjusted to include multiple Borrowers, Lenders, and Guarantors depending on the requirements of the transaction. The information below will guide you through some of the important issues and considerations you will encounter when creating your loan agreement.<\u002Fp><p><strong>Party Information<\u002Fstrong><\u002Fp><p>You will begin by entering the name and address of each Borrower and Lender. If a party is a business, be sure to include the full legal name of that entity, such as "eDemand, Inc." If you include multiple Borrowers, each Borrower will be "jointly and severally liable" under the agreement. This means that each Borrower will be required to repay the full amount of the loan should another Borrower default on its obligation. However, if a Borrower is ever forced to pay back part of another Borrower's portion of the loan, often that Borrower will be able to then obtain a judgment in court against the defaulting Borrower for the money it is owed. Joint and several liability will also apply if you choose to include one or more Guarantors, discussed below.<\u002Fp><p><strong>Transaction Details<\u002Fstrong><\u002Fp><p>Next you will enter the full amount of money that the Lender is lending to the Borrower. You will then be able to describe how the Lender expects to be repaid, followed by the option to include miscellaneous terms and conditions later in the form builder should you need to further customize your agreement.<\u002Fp><p><strong>Collateral<\u002Fstrong><\u002Fp><p>Answer whether or not the Lender requires any collateral to ensure repayment. For example, in a <a href="https:\u002F\u002Fwww.legalnature.com\u002Fcategories\u002Fproperty\u002Fmortgage-agreement">mortgage agreement<\u002Fa>, the collateral is the house itself. However, collateral is often other types of property, such as the Borrower's inventory, real estate, or accounts payable. If the Borrower defaults on repayment, the Lender gets to keep or sell the collateral.<\u002Fp><p><strong>Prepayment<\u002Fstrong><\u002Fp><p>Prepayment refers to the Borrower's ability to repay the loan ahead of schedule. Often, Borrowers are prohibited from, or receive a fee for, making prepayments because it prevents the Lender from receiving steady payments and from collecting a predictable amount of interest on the loan. If you choose to allow prepayment, you can then choose to require a fee for a percentage of the amount of the principal prepaid.<\u002Fp><p><strong>Notary and Witness<\u002Fstrong><\u002Fp><p>Lastly, you will be asked whether or not you want to include spaces for a notary and\u002For witness to sign. It is always recommended to include a notary to help prove the validity of the document should there ever be a question. For the same reason, including a witness is helpful. If possible, it is a good idea to include both.<\u002Fp><p><strong>Guarantor<\u002Fstrong><\u002Fp><p>Here you have the option to include one or more Guarantors to guarantee the repayment of the loan should a Borrower be unable to pay part or all of the outstanding debt. A separate guarantee agreement will automatically be included for each Guarantor to sign along with the Lender(s) and any notary or witness included.<\u002Fp><p>As discussed above, each Guarantor will be jointly and severally liable with each Borrower and with each other Guarantor for the full repayment of the loan. This helps assure that the Lender will be repaid first and in full, and then the other parties can sort out how much they owe each other after the fact, should the need arise.<\u002Fp><p><strong>Executing Your Loan Agreement<\u002Fstrong><\u002Fp><p>After you are done filling out the form, simply have the Borrower, Lender, and any notary and witness available sign the document. Again, although a notary and witness are not required in most jurisdictions, it is always a good idea to include them. When the document has been signed and witnessed you are done! Make sure each Borrower, Lender, and Guarantor (if any) each get a copy.<\u002Fp>  \n\n",true,[14,18,21,24,27,30,33,36],{"product_name":15,"category":16,"link":17},"Security Agreement","Business","\u002Fcategories\u002Fbusiness\u002Fsecurity-agreement",{"product_name":19,"category":16,"link":20},"Software License Agreement","\u002Fcategories\u002Fbusiness\u002Fsoftware-license-agreement",{"product_name":22,"category":16,"link":23},"Change Order","\u002Fcategories\u002Fbusiness\u002Fchange-order",{"product_name":25,"category":16,"link":26},"Website Terms of Use","\u002Fcategories\u002Fbusiness\u002Fterms-of-use",{"product_name":28,"category":16,"link":29},"Statement of Work","\u002Fcategories\u002Fbusiness\u002Fstatement-of-work",{"product_name":31,"category":16,"link":32},"Waiver and Release of Liability","\u002Fcategories\u002Fbusiness\u002Fwaiver-and-release-of-liability",{"product_name":34,"category":16,"link":35},"Online Terms of Service","\u002Fcategories\u002Fbusiness\u002Fonline-terms-of-service",{"product_name":37,"category":16,"link":38},"Sale of Goods Agreement","\u002Fcategories\u002Fbusiness\u002Fsale-of-goods-agreement",[40,44,48,52,56,60,64,68],{"title":41,"description":42,"link":43},"Loan Agreements: Everything You Need to Know","A loan agreement is a very complex document that can protect the two parties involved. In most cases the lender creates the loan agreement, which means the burden of including all of the terms for the agreement falls on the lending party....","\u002Fguides\u002Feverything-you-need-to-know-about-loan-agreements",{"title":45,"description":46,"link":47},"How to Create a Website Privacy Policy","If you have a business website, then no matter its use, you need to have a strong privacy policy. If you do not have a website privacy policy in place, you could be putting your business and your website at risk. Before diving into how to...","\u002Fguides\u002Fhow-to-create-a-strong-website-privacy-policy-and-what-to-include",{"title":49,"description":50,"link":51},"How to Effectively Utilize Consultants","Many companies utilize independent consultants to fill gaps in their own staffing or temporarily infuse a company project with the high level of experience to help get it off the ground. 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If an injunction is not appropriate or is not granted, you have the option to claim compensation for the damage t","\u002Fguides\u002Fuk-what-happens-if-my-non-compete-agreement-is-breached",{"title":61,"description":62,"link":63},"7 Essential Tips for Hiring Consultants","For businesses that don’t do it often, hiring a consultant requires entering a foreign territory that can seem both intimidating and risky. However, the following rules of thumb can help ensure you’re on the right track. Define Your Needs...","\u002Fguides\u002F7-essential-tips-for-hiring-consultants",{"title":65,"description":66,"link":67},"Do Independent Contractors Need Insurance?","The short answer is 'yes.' Independent contractors do need insurance, and for a variety of reasons. Depending on the type of work you do, you may need liability insurance, errors and omissions insurance, or both. Learning more about different...","\u002Fguides\u002Fdo-independent-contractors-need-insurance",{"title":69,"description":70,"link":71},"What Are Bankruptcy Exemptions?","In difficult economic times, it is not uncommon for people to experience financial problems that can lead to serious credit issues. Prior to today's credit-driven society, people used to rely on credit to acquire items that were beyond their...","\u002Fguides\u002Fwhat-are-bankruptcy-exemptions",[73,76],{"label":74,"link":75},"All Documents","\u002Flegal-documents",{"label":16,"link":77},"\u002Fcategories\u002Fbusiness","payload",{"landerVariant":80,"headline":6,"headlineAccent":81,"subtitle":82,"legacySubtitleHtml":83,"checkmarkText":81,"desktopImage":81,"mobileImage":81,"desktopImageUrl":81,"mobileImageUrl":81,"ctaType":80,"ctaText":81,"ctaLink":81},"standard",null,"","Use our loan agreement template to specify all the important terms and conditions for repayment of a loan. Quickly include multiple borrowers, lenders, and cosigners. Indicate whether the borrower will make payments every month, in one lump sum payment, or at any time upon demand by the lender. Our loan agreement form makes it easy for you to customize your agreement.",[85,89,93],{"id":86,"name":87,"link":88},"6a15a1bbf13133005943e059","How To","#illustrated_steps",{"id":90,"name":91,"link":92},"6a15a1bbf13133005943e05a","Help Guide","#help_guide",{"id":94,"name":95,"link":96},"6a15a1bbf13133005943e05b","FAQS","#faqs",[98,117,134,140,161,167,173,200,203],{"id":99,"headline":100,"blockName":81,"items":101,"blockType":114,"visibility":115},"6a15a1bbf13133005943e060","When you should use a loan agreement",[102,105,108,111],{"id":103,"text":104},"6a15a1bbf13133005943e05c","You need to formalize all loan-related details",{"id":106,"text":107},"6a15a1bbf13133005943e05d","Money or property is being loaned to one or more borrowers",{"id":109,"text":110},"6a15a1bbf13133005943e05e","You need to define a loan's payment frequency and interest, among other options",{"id":112,"text":113},"6a15a1bbf13133005943e05f","You need an agreement that protects the lender and defines repayment terms","checkmarks",{"hideOnMobile":116,"hideOnDesktop":116},false,{"id":118,"headline":119,"description":120,"extraButton":81,"extraButtonUrl":81,"blockName":81,"columns":121,"blockType":132,"visibility":133},"6a15a1bbf13133005943e063","Define your loan's details","Streamline the process of drafting a legally compliant loan agreement with our guided form. 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30.13L153.275 29.5C152.855 29.91 152.435 30.13 151.845 30.13C151.065 30.13 150.455 29.65 150.325 28.79H154.205C154.215 28.67 154.225 28.56 154.225 28.45C154.225 26.93 153.375 25.61 151.695 25.61C150.185 25.61 149.115 26.85 149.115 28.36V28.38C149.115 30.01 150.295 31.12 151.825 31.12ZM150.315 27.99C150.425 27.17 150.945 26.6 151.685 26.6C152.485 26.6 152.945 27.21 153.025 27.99H150.315Z\" fill=\"#009EFF\"\u002F>\r\n\u003Cpath d=\"M155.44 31H156.65V28.02C156.65 27.2 157.14 26.71 157.84 26.71C158.56 26.71 158.97 27.18 158.97 28V31H160.18V27.64C160.18 26.41 159.49 25.61 158.3 25.61C157.48 25.61 156.99 26.04 156.65 26.54V25.72H155.44V31Z\" fill=\"#009EFF\"\u002F>\r\n\u003Cpath d=\"M163.411 31.09C163.861 31.09 164.201 30.99 164.501 30.82V29.83C164.261 29.95 164.021 30.01 163.751 30.01C163.341 30.01 163.101 29.82 163.101 29.35V26.76H164.521V25.72H163.101V24.27H161.891V25.72H161.221V26.76H161.891V29.54C161.891 30.7 162.521 31.09 163.411 31.09Z\" fill=\"#009EFF\"\u002F>\r\n\u003C\u002Fsvg>","illustrated-steps",{"hideOnMobile":116,"hideOnDesktop":116},{"id":162,"headline":91,"description":163,"body":164,"buttonText":81,"buttonLink":81,"blockName":81,"blockType":165,"visibility":166},"6a15a1bbf13133005943e069","A loan agreement specifies the most important terms and conditions for repayment of a loan. A loan can include multiple borrowers, lenders, and guarantors depending on the requirements of the transaction. The information below will guide you through some of the important issues and considerations you will encounter when creating your loan agreement.","\u003Ch4>\u003Cstrong>Party Information\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>You will begin by entering the name and address of each borrower and lender. If a party is a business, be sure to include the full legal name of that entity. If you include multiple borrowers, each borrower will be \"jointly and severally liable\" under the agreement. This means that each borrower will be responsible for repaying the full amount of the loan if any of the other borrowers are not able to make the required payments. Joint and several liability will also apply if you choose to include one or more guarantors, discussed below.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Loan Amount\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>Next you will enter the details of the total amount of the loan. It's important to provide the full amount that the lender is issuing. Should you need to further customize your agreement, you will also have the option to include miscellaneous terms and conditions later in the document.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Collateral\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>Answer whether or not the lender requires any collateral to ensure repayment. For example, in a \u003Ca href=\"https:\u002F\u002Fwww.legalnature.com\u002Fcategories\u002Fproperty\u002Fmortgage-agreement\">mortgage agreement\u003C\u002Fa> the collateral is the house itself. However, practically any of the borrower's other properties could be used as collateral. In general, if the borrower defaults on repayment, the lender will have the right to sell the collateral in question in order to diminish its loss.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Prepayment\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>Prepayment refers to the borrower's ability to repay the loan ahead of schedule. Within the context of loans and other financial transactions, it isn't all that unusual for a lender to impose a fee for prepaying a loan. This is due to the fact that the lender receives less interest payments if the loan is paid before its due date. As a result, if the lender chooses to allow prepayment, a prepayment fee equal to a percentage of the amount of the principal prepaid could be imposed on the borrower.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Notary and Witness\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>You will be asked whether or not you want to include spaces for a notary and\u002For witness to sign. It is always recommended to include a notary to help prove the validity of the document should there ever be a question. For the same reason, including a witness is helpful. If possible, it is a good idea to include both.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Guarantor\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>Here you have the option to include one or more guarantors to guarantee the repayment of the loan should a borrower be unable to pay part or all of the outstanding debt. A separate guarantee agreement will automatically be included for each guarantor to sign along with the lender(s) and any notary or witness included.\u003C\u002Fp>\n\u003Cp>As discussed above, each guarantor will be jointly and severally liable with each borrower and with each other guarantor for the full repayment of the loan. This helps assure that the lender will be repaid first and in full, and then the other parties can sort out how much they owe each other after the fact should the need arise.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Executing Your Loan Agreement\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>After you are done filling out the form, simply have the borrower, lender, and any notary and witness available sign the document. Again, although a notary and witness are not required in most jurisdictions, it is always a good idea to include them. When the document has been signed and witnessed, you are done! Make sure each borrower, lender, and guarantor (if any) each get a copy.\u003C\u002Fp>","help-guide",{"hideOnMobile":116,"hideOnDesktop":116},{"id":168,"style":169,"size":170,"blockName":81,"blockType":171,"visibility":172},"6a15a1bbf13133005943e06a","line","md","separator",{"hideOnMobile":116,"hideOnDesktop":116},{"id":174,"heading":175,"background":176,"blockName":81,"items":177,"blockType":198,"visibility":199},"6a15a1bbf13133005943e070","Frequently Asked Questions","white",[178,182,186,190,194],{"id":179,"question":180,"answer":81,"legacyHtml":181},"6a15a1bbf13133005943e06b","Why should I create a loan agreement?","\u003Cp>A loan agreement is important whenever a person or business is borrowing money from another person or business. The agreement spells out the amount borrowed and the terms for repaying the loan. \u003Cbr \u002F>\u003Cbr \u002F>In the event the borrower does not uphold its end of the agreement, valid loan agreements can be enforced. This protects the lender. \u003Cbr \u002F>\u003Cbr \u002F>However, loan agreements can also protect the borrower by making the terms clear. For example, a lender that tries to charge more interest or accelerate repayment in violation of what the loan allows could be forced by the court system to stick to the agreement’s original terms. \u003Cbr \u002F>\u003Cbr \u002F>Finally, loan agreements also provide evidence that the money the borrower received was in fact a loan and not a gift.\u003C\u002Fp>",{"id":183,"question":184,"answer":81,"legacyHtml":185},"6a15a1bbf13133005943e06c","What is the difference between compound and simple interest?","\u003Cp>When it comes to the amount of interest on a loan, the loan agreement should spell out whether the interest is simple or compound. \u003Cbr \u002F>\u003Cbr \u002F>\u003Cstrong>Simple Interest \u003Cbr \u002F>\u003Cbr \u002F>\u003C\u002Fstrong>Agreements that use a simple interest formula multiply the interest rate by the principal amount of the loan to calculate the fixed amount of interest to be paid along with the principal amount borrowed. Simple interest is only calculated on the principal amount of the loan. \u003Cbr \u002F>\u003Cbr \u002F>For example, a $10,000 loan with a 7% simple interest rate would require the borrower to pay $700 in interest ($10,000 x .07 = $700). If the loan is going to be repaid over a period of three years, you will need to multiply the amount of simple interest by three, giving you a total of $2,100 in interest to pay. \u003Cbr \u002F>\u003Cbr \u002F>In summary, the borrower would be getting $10,000 up front and would have to agree to repay a total of $12,100 over the three years ($10,000 + $2,100). \u003Cbr \u002F>\u003Cbr \u002F>\u003Cstrong>Compound Interest \u003Cbr \u002F>\u003Cbr \u002F>\u003C\u002Fstrong>With a compound interest calculation, the compound interest accrues on the amount of the unpaid loan principal and accumulated interest from previous periods. So, when a borrower agrees to compound interest, they are in effect paying interest on the interest. \u003Cbr \u002F>\u003Cbr \u002F>Generally speaking, the borrower will pay more over the life of the loan to borrow money under a compound interest loan than they would for a simple interest loan.\u003C\u002Fp>",{"id":187,"question":188,"answer":81,"legacyHtml":189},"6a15a1bbf13133005943e06d","What is collateral and should I include it in my loan agreement?","\u003Cp>If a loan agreement includes collateral, it means that the borrower has agreed to pledge certain assets as security for the loan. In the event the borrower defaults and does not uphold his or her agreement to repay the loan amount plus interest, the lender gets to keep the pledged collateral. Loans that use collateral are often referred to as “secured loans.” \u003Cbr \u002F>\u003Cbr \u002F>In theory, almost any asset can be used as collateral. However, in practice, most lenders will only want collateral that they could actually use or sell in the event the borrower defaulted on the loan. \u003Cbr \u002F>\u003Cbr \u002F>When you buy a home, your house is the collateral for a home mortgage. Similarly, auto loans are secured by the vehicle itself. Personal loans may be secured by stocks or bonds, bank accounts, insurance policies, machines or equipment, collectibles, or by other financial asset(s). \u003Cbr \u002F>\u003Cbr \u002F>Generally speaking, pledging collateral for a loan can be advantageous to the borrower because the lender may be willing to offer a lower interest rate or loan a larger dollar amount. The lender’s risk of loss is lower because it knows it can claim and sell the borrower’s collateral in order to prevent or diminish its losses in the event of a default. \u003Cbr \u002F>\u003Cbr \u002F>Borrowers should make sure they will be able to adhere to the terms of the loan agreement so they do not risk losing their pledged assets.\u003C\u002Fp>",{"id":191,"question":192,"answer":81,"legacyHtml":193},"6a15a1bbf13133005943e06e","What is the difference between fixed and variable rates of interest?","\u003Cp>Loan agreements should specify whether the interest rate the borrower is agreeing to is fixed or variable. When a loan agreement uses a fixed interest rate, the interest rate will not go up or down over the life of the loan. This allows for a defined, fixed payment schedule and can be attractive to borrowers who want to know that their monthly payments will be fixed. \u003Cbr \u002F>\u003Cbr \u002F>In contrast, when a loan agreement uses a variable interest rate, that rate will likely change during the term of the loan. When loans are based on variable interest rates, those rates are generally tied to either the prime lending rate or an index. Variable rate loans can be advantageous for borrowers when interest rates go down. However, if the rate rises, the borrower will still need to be able to make his or her payments under the agreement.\u003C\u002Fp>",{"id":195,"question":196,"answer":81,"legacyHtml":197},"6a15a1bbf13133005943e06f","Are there different types of loan agreements?","\u003Cp>Yes. Loan agreements can range from simple \u003Ca href=\"https:\u002F\u002Fwww.legalnature.com\u002Fcategories\u002Fbusiness\u002Fpromissory-note\" target=\"_blank\" rel=\"noopener\">promissory notes\u003C\u002Fa> to complex loans like mortgages and auto loan agreements. \u003Cbr \u002F>\u003Cbr \u002F>Loan agreements are governed by state and federal laws, which provide limits on the amount of interest lenders can charge when loaning money. Those laws also provide a framework and guardrails for other terms and conditions of loan agreements, designed to protect both the lender and the borrower in the event the agreement is later taken to court.\u003C\u002Fp>","faqs",{"hideOnMobile":116,"hideOnDesktop":116},{"id":201,"style":169,"size":170,"blockName":81,"blockType":171,"visibility":202},"6a15a1bbf13133005943e071",{"hideOnMobile":116,"hideOnDesktop":116},{"id":204,"headline":205,"text":206,"image":207,"ctaText":81,"blockName":81,"blockType":218,"visibility":219},"6a15a1bbf13133005943e072","Start Your Loan Agreement","Complete your loan agreement in minutes with LegalNature's intuitive, step-by-step guidance.",{"id":208,"alt":81,"updatedAt":209,"createdAt":210,"url":211,"thumbnailURL":81,"filename":212,"mimeType":213,"filesize":214,"width":215,"height":216,"focalX":217,"focalY":217},210,"2026-07-24T10:46:14.235Z","2026-07-24T10:46:14.133Z","https:\u002F\u002Fs3.us-east-2.amazonaws.com\u002Fshared-cms-main-media.legalnature.com\u002Fgeneral-doc-image.jpg","general-doc-image.jpg","image\u002Fjpeg",369412,894,594,50,"get-started",{"hideOnMobile":116,"hideOnDesktop":116},{"title":221,"description":222,"keyword":223,"og_image":224},"Loan Agreement Template, Create & Print - LegalNature","Easily create a Loan Agreement to detail repayment terms, effectively accommodating multiple borrowers, lenders, and cosigners. Easy to fill, Preview & Print.","Loan Agreement, loan agreement template","https:\u002F\u002Fs3.us-east-2.amazonaws.com\u002Fshared-cms-main-media.legalnature.com\u002FeQZhaVAoS6S1GwCnoLEA.jpg",{"headline":81,"image":81,"imageUrl":81,"steps":226},[]]