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Online Printable Promissory Forms

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Free Online Promissory Documents & Templates

A promissory note, also referred to as a note payable in accounting, is a contract detailing the terms of a promise by one party (the maker) to pay a sum of money to the other (the payee). The obligation may arise from the repayment of a loan or from another form of debt. For example, in the sale of a business, the purchase price might be a combination of an immediate cash payment and payments against one or more promissory notes for the balance.

The terms of a note typically include the principal amount, the interest rate if any, and the maturity date. Sometimes there will be provisions concerning the payee's rights in the event of a default, which may include foreclosure of the maker's assets. Demand promissory notes are notes that do not carry a specific maturity date, but are due on demand of the lender. Usually the lender will only give the borrower a few days notice before the payment is due.

For loans between individuals, writing and signing a promissory note is often considered a good idea for tax and record keeping reasons. A promissory note differs from an IOU in that the latter is a simple acknowledgement of the existence of a debt owed, whereas a promissory note, as its name implies, contains an affirmative undertaking to pay the amount stated.

In the United States, a promissory note that meets certain conditions is a negotiable instrument governed by Article 3 of the Uniform Commercial Code. Negotiable promissory notes are used extensively in combination with mortgages in the financing of real estate transactions. Other uses of promissory notes include the capitalization of corporate finances through the issuance and transfer of commercial paper.

At various times in history, promissory notes have acted as a form of privately issued currency. In many jurisdictions today, bearer negotiable promissory notes are illegal precisely because they can act as an alternative currency. All Scottish banknotes are effectively standardized demand promissory notes. This Promissory Note is used to loan or borrow money with or without interest included. It states the terms, rights and obligations that apply to a loan. It specifies the amount of the loan, the interest rate, the repayment terms and includes other specific provisions.


      This web site is designed to give you general information. The information on this web site is in no way intended to be legal advice. Legal advice can only be obtained by a licensed attorney who has the appropriate legal skills and knowledge related to your specific circumstances.

    User Feedback

    B. Bryant - I downloaded your promissory note template because I was going to loan a friend of mine some money. I wanted to make sure I would get my money back even if I had to take her to court if she did not pay me back. I used this promissory note and modified it to meet my needs. Thank you.

    H. Charleston - The promissory note template available at is an easy to use document template that can be customized to meet any need. I loaned my brother some money and used this form to make sure I had some paper work to back up the fact that I loaned him money.


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