Does a promissory note need to be notarized?

Not always. Most states make a signed note enforceable without notarization. Notarization adds a layer of identity verification that helps in disputes — /app/sign with the Notary feature (Max) is the browser-native equivalent.

What interest rate can I charge?

Subject to state usury caps. Loans between family members under the IRS Applicable Federal Rate (AFR) can trigger imputed-interest reporting. Look up the current AFR before setting a below-market rate.

Can I include a personal guarantee?

Yes. A personal guarantee section is editable as free-form text in the template. For complex multi-party guarantees, have a lawyer review.

Legal · Promissory Note

Fill a Promissory Note online — free template

A promissory note is a signed promise from a borrower to repay a debt on agreed terms — principal, interest rate, payment schedule. Used for personal loans (family, friends), small-business lending, or as a formality alongside a mortgage. AttachKit fills the recurring parts (names, addresses, dates) so you can focus on the loan terms.

Who needs it: Anyone lending money to another person and wanting documentation. Small businesses formalizing inter-company loans. Real estate buyers signing seller-financed deals.

Why fill it here

Auto-fill lender (you) + borrower name + address, principal amount, signing date.
Manual entry for interest rate, payment frequency, maturity date — AttachKit doesn't pick these for you.
Sign in-browser via /app/sign — adds a tamper-evident audit page with WebAuthn passkey proof (Max).
Free to fill unlimited forms (15 signed PDFs/mo on the free tier).

Fill your Promissory Note now

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Promissory Note questions, answered

General information, not legal or tax advice

This page is general information about a commonly-used document. State and local law varies — for advice on your specific situation, consult a licensed attorney in your jurisdiction. AttachKit fills the PDF; you're responsible for whether the contents are right for your case.

Does a promissory note need to be notarized?: Not always. Most states make a signed note enforceable without notarization. Notarization adds a layer of identity verification that helps in disputes — /app/sign with the Notary feature (Max) is the browser-native equivalent.
What interest rate can I charge?: Subject to state usury caps. Loans between family members under the IRS Applicable Federal Rate (AFR) can trigger imputed-interest reporting. Look up the current AFR before setting a below-market rate.
Can I include a personal guarantee?: Yes. A personal guarantee section is editable as free-form text in the template. For complex multi-party guarantees, have a lawyer review.

More forms: NDA · Contractor agreement · Power of attorney · Bill of sale · Release of liability