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💶 Private loan agreement – fill it in free

🇮🇪 IE

Lending money to family or a friend, or borrowing some yourself? Set down the amount, the payout, any interest and the repayment plan in one clear agreement. Complete it in your browser, both of you sign digitally, done – free, and fair on both sides.

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In brief: the private loan in Ireland

A loan between private individuals is valid in Ireland without a notary or any special form. The written agreement is the evidence: amount, payout, repayment plan and any interest.

Last reviewed: August 2026

Three steps and you’re done

No printer, no scanner, no putting it on the long finger.

1
Fill in
The template walks you through its fields one at a time – in the browser, phone included.
2
Sign
Draw with your finger, photograph your signature from paper, or reuse a saved one.
3
Done
Save the PDF and send it on – or let the other party sign through a link.

What the template covers

The important clauses are already drafted – you only add your details.

Why do it with Tamgara?

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Completely free
No account, no subscription, no watermarks – template, filling in, signing and download all cost nothing.
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Your file stays on your device
Signing and saving run in your browser, so the PDF itself is never uploaded. What you type into form fields is stored, to help us find mistakes in the templates.
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A real signature
Draw on screen or photograph your paper signature – it lands in the PDF as clean ink (a simple electronic signature under eIDAS).
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Have others sign
Send the other party a link: they sign in their browser, and you follow along with live status and a signature report.

Right so – your document is waiting.

Open the template and start typing – a few minutes on, the signed PDF is ready.

Start filling it in – free
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Common questions

Why put a loan between friends in writing?
Because memory is the worst ledger. A one-page agreement records how much changed hands, when it is due back and whether interest applies – and it proves the money was a loan, not a gift. That protects the friendship as much as the money.
Can I charge interest on a private loan in Ireland?
Private individuals can agree interest between themselves; many family loans are deliberately interest-free. Whatever you agree, write the rate into the agreement – and keep it reasonable. For anything substantial, a word with an advisor on the tax side is worthwhile.
Repayment in instalments or in one go?
Either. Enter a monthly instalment and the date of the first payment, or a single fixed repayment date. The agreement also provides for early repayment, so nobody is punished for paying back sooner.
How long can I enforce an unpaid loan?
In Ireland, claims on simple contract debts generally become statute-barred six years after the repayment fell due, under the Statute of Limitations 1957. Do not sit on an unpaid loan – a written demand and, if needed, legal advice come first.

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Note: this template is a carefully prepared sample for simple everyday cases, provided without guarantee and no substitute for legal advice. Tamgara creates simple electronic signatures under the EU eIDAS Regulation, which applies directly in Ireland; it is not suitable for documents that legally require written form.
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