Free Promissory Note Generator
Write a free promissory note (loan agreement) in minutes. Enter the borrower, lender, amount, interest, and due date, then download it.
Write a free promissory note (loan agreement) in minutes. Enter the borrower, lender, amount, interest, and due date, then download it.
Which state applies?
This generator works for any U.S. state. Select your state in the form above; the document preview reflects Promissory Note practices for that state where relevant.
Important disclaimer
This is a free template for general informational use only. It is not legal advice, and it does not create an attorney–client relationship. Laws vary by state; have a licensed attorney in your state review any document before you sign it.
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Frequently Asked Questions
Is a promissory note legally enforceable?
Yes, a signed note is a real debt obligation. If payments are missed, the lender may pursue collection under state law.
What interest rate can I charge?
You can agree on a rate, but each state caps the maximum. Keep it at or below that limit.
Do I need a witness?
Not always, but signatures from both parties are essential, and a witness or notary adds proof.