A simple loan agreement documenting principal, interest, and repayment terms between a lender and borrower.
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This Promissory Note ("Note") is entered into as of [Effective Date]. For value received, [Borrower Name] ("Borrower") promises to pay [Lender Name] ("Lender") the principal sum of [Amount], together with interest as described below.
Interest accrues on the unpaid principal balance at a rate of [Rate]% per year, [simple / compounding [frequency]], starting from the date of this Note.
Borrower will repay the principal and accrued interest as follows: [Repayment Schedule — e.g. $X per month starting [Date], or a lump sum due [Date]]. Payments will be made to [Payment Method/Address].
Borrower may prepay all or part of the outstanding balance at any time without penalty, unless otherwise stated here.
If Borrower fails to make a payment within [Number] days of its due date, the entire unpaid balance, plus accrued interest, becomes immediately due at Lender’s option. A late fee of [Amount / Rate] applies to late payments.
[This Note is unsecured. / This Note is secured by [Description of Collateral], as described in a separate security agreement.]
This Note is governed by the laws of the State of [State / Jurisdiction], including any applicable usury limits on the interest rate.
Borrower Signature: _______________________ Date: _______________
Lender Signature: _______________________ Date: _______________