Free Promissory Note Template


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How do I write a simple promissory note? Download this free Promissory Note template now!


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How do I write a simple promissory note?

This ready-made Promissory Note example is well suited for any kind of personalized business matter. Communicating in a professional way will get you and your company respect and will bring you further in life and business. 

  • The Promissory Note should clearly set out the repayment schedule so that there is no question as to how and when the borrower must repay the principal amount of the loan and interest (if applicable) to the lender.
  • PAYMENTS: Borrower shall pay (check the applicable box)
  • DUE DATE: The full balance on this Note, including any accrued interest and late fees, is due and payable on day.
  • INTEREST DUE IN THE EVENT OF DEFAULT: In the event that the Borrower fails to pay the note in full on the due date or has failed to make an installment payment due within 15 days of the due date, unpaid principal shall accrue interest at the rate of percent (%) per annum OR the maximum rate allowed by law, whichever is less, until the Borrower is no longer in default.
  • ALLOCATION OF PAYMENTS: Payments shall be first credited any late fees due, then to interest due and any remainder will be credited to principal. 
  • PREPAYMENT: Borrower may pre-pay this Note without penalty.
  • LATE FEES: If the Lender receives any installment payment more than days after the date that it is due, then a late payment fee, shall be payable with the scheduled installment payment along with any default interest due.
  • DUE ON SALE: This Note is secured by a security instrument described in Section 17 securing the repayment of this Note, the property described in such security instrument may not be sold or transferred without the Lender’s consent. If Borrower breaches this provision, Lender may declare all sums due under this Note immediately due and payable, unless prohibited by applicable law.
  • ACCELERATION: If the Borrower is in default under this Note or is in default under the security instrument securing the repayment of this Note, and such default is not cured within days after written notice of such default, then Lender may, at its option, declare all outstanding sums owed on this Note to be immediately due and payable, in addition to any other rights or remedies that Lender may have under the security instrument or state and federal law.
  • ATTORNEYS’ FEES AND COSTS: Borrower shall pay all costs incurred by Lender in collecting sums due under this Note after a default, including reasonable attorneys’ fees. If Lender or Borrower sues to enforce this Note or obtain a declaration of its rights hereunder, the prevailing party in any such proceeding shall be entitled to recover its reasonable attorneys’ fees and costs incurred in the proceeding (including those incurred in any bankruptcy proceeding or appeal) from the non-prevailing party.
  • WAIVER OF PRESENTMENTS: Borrower waives presentment for payment, a notice of dishonor, protest, and notice of protest.
  • NON-WAIVER: No failure or delay by Lender in exercising Lender’s rights under this Note shall be considered a waiver of such rights.
  • SEVERABILITY: In the event that any provision herein is determined to be void or unenforceable for any reason, such determination shall not affect the validity or enforceability of any other provision, all of which shall remain in full force and effect.
  • INTEGRATION: There are no verbal or other agreements that modify or affect the terms of this Note. This Note may not be modified or amended except by a written agreement signed by Borrower and Lender.
  • CONFLICTING TERMS: In the event of any conflict between the terms of this Note and the terms of any security instrument securing payment of this Note, the terms of this Note shall prevail.
  • NOTICE: Any notices required or permitted to be given hereunder shall be given in writing and shall be delivered (a) in person, (b) by certified mail, postage prepaid, return receipt requested, (c) by facsimile, or (d) by a commercial overnight courier that guarantees next day delivery and provides a receipt, and such notices shall be made to the parties at the addresses listed below.
  • EXECUTION: The Borrower executes this Note as a principal and not as a surety.  If there is more than one Borrower, each Borrower shall be jointly and severally liable under this Note.
  • SECURITY
  • SIGNATURES

Using our ready-to-use Promissory Note template brings you extra motivation and inspiration and gives you more time to focus on important subjects in your personalized file. We support you by providing this Promissory Note which will save you time, cost, and effort and help you to reach the next level of success in your career and business! 

Download this free Promissory Note template now! 


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