Free Loan Agreement Templates (Word & PDF)
Legal
by baturtekelioglu
Lending money, even to a friend, goes smoother when the terms are in writing, and a loan agreement puts the amount, interest, and repayment schedule on record. This collection of 50 templates helps lenders and borrowers document personal loans, business deals, and promissory notes clearly from the start.
Each agreement is editable in Word and ready as a clean PDF for printing and signatures. Fill in the principal, rate, and payment dates, then keep a signed copy for your files. Usury and lending laws vary by state, so confirm the details locally before you sign. Download the version that fits your loan and protect both sides.
Choose from 50 Loan Agreement Templates
Loan Agreements
Loaner Agreement
Loan Agreement
Horse Loan Agreement
Frequently Asked Questions about Loan Agreement Templates
Are these Loan Agreement templates free to download?
Yes. Every Loan Agreement template in this collection is free to download from TemplateSpark. Just open the template you need, download it, and start editing right away — no subscription required to get started.
What file formats are available for Loan Agreement templates?
These Loan Agreement templates are available in Word and PDF. Pick the format that matches your workflow — each download keeps the original layout so it looks right whether you open, print, or share it.
Can I edit these Loan Agreement templates?
Yes. The editable files open in Microsoft Word (and compatible apps like Google Docs or LibreOffice), so you can change the text, colors, and layout to fit your needs, then save or export the finished Loan Agreement document.
How many Loan Agreement templates can I choose from?
This page collects 50 Loan Agreement templates so you can compare styles and layouts in one place. Browse the options, open the one that fits your purpose best, and download it in your preferred format.
Can I use Loan Agreement templates for commercial purposes?
In most cases, yes — these Loan Agreement templates are intended for both personal and business use. Check the license note on the template before redistributing or reselling, and avoid sharing the source files as your own product.
What should a loan agreement include?
A loan agreement should state the names of the lender and borrower, the principal amount, the interest rate, and the repayment schedule. It should also cover late fees, default terms, any collateral, prepayment rules, and signatures. Clear terms protect both parties and create a record of what was agreed.
What is the difference between a loan agreement and a promissory note?
A promissory note is a borrower's written promise to repay, focusing on the amount and repayment terms. A loan agreement is broader and signed by both parties, detailing obligations, interest, default, collateral, and remedies. Larger or more complex loans usually use a full agreement rather than a simple note.
How is interest and a repayment schedule set out in a loan agreement?
The agreement states the interest rate, whether it is fixed or variable, and how it is calculated. The repayment schedule lists payment amounts, frequency, and due dates, plus the final payoff date. It may show an amortization breakdown so both sides understand how each payment applies to principal and interest.
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