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💶 Private loan agreement – complete it free

🇲🇹 MT

Money lent within the family or among friends deserves one clear page: the amount, when it was paid out, how and when it returns, and whether interest applies. Complete the agreement in the browser, both sign digitally – free, and fair to lender and borrower alike.

Start filling it in – free ⬇️ Download blank PDF

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In brief: the private loan in Malta

A loan between private individuals is valid in Malta without notarial form; the written agreement is the proof of amount, payout and repayment terms.

Keep the payout evidence: the transfer record or a signed receipt.
No fixed term agreed? Then provide for repayment on written demand within a reasonable period.
Interest between private parties is possible within statutory limits – state any rate in the agreement.
Claims go stale: mind Maltese prescription periods and act on unpaid loans early.

Last reviewed: August 2026

Three steps, start to finish

Nothing to print, nothing to scan, no excuse to postpone it.

Fill in

The form takes you through its fields in order – in any browser, the phone included.

Sign

Sign with your finger, photograph the signature you use on paper, or place one you saved earlier.

Done

Keep the PDF and pass it on – or have the counterparty sign over a link.

What the form contains

Every clause that matters is pre-drafted; your part is the details.

Lender and borrower with address
Loan amount in figures and words
Disbursement date and method
Interest-free or with an agreed interest rate
Repayment in full or in installments
Right to early repayment
Field for security and purpose, signatures of both parties

Why Tamgara for this?

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Completely free

Free of accounts, subscriptions and watermarks – the template, the filling in, the signatures and the download.

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Your file stays on your device

The signing and saving take place in your browser, and the PDF itself is never uploaded. Form-field entries are stored so that faults in the templates come to light.

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A real signature

Finger-drawn or photographed from paper, the signature lands in the PDF as clean ink – a simple electronic signature under the EU eIDAS framework.

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Collect signatures

A link brings the counterparty straight to the document: browser signing, live status, signature report.

Ready when you are – the document is.

Open the template and begin – within minutes the signed PDF is in your hands.

Start filling it in – free

📠 Document done? It can leave your browser as a real fax to any destination – no machine required, transmission report supplied. 📠 More about faxing

Questions, answered

Does a private loan need a notary in Malta?

No – between private individuals a loan is valid without notarial form. What the written agreement adds is proof: that the money moved, that it was a loan and not a gift, and on what terms it returns. For substantial sums or security over property, notarial advice is money well spent.

May we agree interest?

Interest can be agreed between private parties, and Maltese law caps what may be charged – keep any rate moderate and state it plainly in the agreement. Plenty of family loans run interest-free on purpose; the template covers both routes.

Lump sum or instalments?

As you prefer: a single repayment date, or monthly instalments with a first-payment date. Early repayment is provided for, so paying back sooner is never a breach.

The loan is not being repaid – what now?

A written demand with a clear deadline comes first; legal action is the step after. The signed agreement plus the payout record are the case. Do not let an unpaid loan age quietly – limitation periods run in Malta as everywhere, so take advice early rather than late.

More free templates for Malta for Malta

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, in force in Malta as in every EU country; it is not suitable for documents that legally require written form.