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💳 Fill in a promissory note online – free

🇲🇹 MT

Money lent, nothing in writing? The promissory note repairs that: the debtor acknowledges the debt – amount, reason, repayment, optional interest – under their signature. Completed in the browser, signed digitally, held by the creditor. Free, no account.

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In brief: the promissory note in Malta

The promissory note – the IOU – is the debtor’s signed acknowledgment of a debt: date, amount, parties, signature. No notary required; the document exists for the day proof is needed.

Last reviewed: August 2026

Three steps, start to finish

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

1
Fill in
The form takes you through its fields in order – in any browser, the phone included.
2
Sign
Sign with your finger, photograph the signature you use on paper, or place one you saved earlier.
3
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.

Why Tamgara for this?

💸
Completely free
Free of accounts, subscriptions and watermarks – the template, the filling in, the signatures and the download.
🔒
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.

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📠 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

Promissory note or full loan agreement?
The note is the debtor’s one-sided acknowledgment – lean, quick, evidentiary. The loan agreement is the two-sided arrangement with payout terms and duties on both ends. Fresh lending is better served by the agreement; an existing, undocumented debt by the note.
One signature or two?
The debtor’s carries the document – it is their acknowledgment. The creditor holds the signed original. A countersignature through Tamgara harms nothing where both prefer it.
The debt is being repaid in pieces – how to track it?
Each part-payment onto the note or onto its own receipt, dated. When the last euro arrives, the original returns to the debtor or a written discharge replaces it – loose ends invite arguments.
How long does the acknowledgment keep its value?
Claims age in Malta as anywhere – prescription periods run, and an acknowledged debt left dormant weakens. The practical rule: demand unpaid debts in writing early, and take advice rather than waiting on goodwill.

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