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💳 Fill out a promissory note online – free

🇺🇸 Under U.S. law

Lent money privately and want it on paper? With this promissory note the borrower promises in writing to pay the debt – amount, reason, repayment schedule and optional interest are prepared. Fill it out right in your browser, sign digitally, done. Any interest stays subject to your state’s usury limits.

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In brief: the promissory note

A promissory note is a signed, written promise to pay a debt. In the US it is enforceable without a notary; state law governs interest limits and how long the creditor can sue.

Date, amount, parties, repayment terms and the borrower’s signature are the essentials – no notarization required.
Interest is capped by state usury laws, which vary significantly between states.
Each state sets its own statute of limitations for suing on a written note – the length varies by state.
On full repayment, the borrower should get the original note back or a signed release, and partial payments should be receipted.

Last reviewed: July 2026

Done in 3 steps

No printer, no scanner, no “I’ll get to it later”.

Fill in

Every field of the template is presented to you one by one – right in the browser, on your phone too.

Sign

Draw with your finger, scan your real signature from paper or insert your saved one.

Done

Download and send the PDF – or invite the other party to sign via link.

What’s inside

All the important points are prepared – you just fill in the blanks.

Lender and borrower with address
Amount in figures and words
Reason for the debt and date the money was received
Repayment by a set date or in installments
Interest-free, or a rate within your state’s limits
Signature of the borrower

Why fill it out with Tamgara?

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Completely free

No sign-up, no subscription, no watermarks. Template, filling in, signing and download – all free.

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Your file stays on your device

Signing and saving happen in your browser – your PDF file is never uploaded. We do store what you type into form fields, to find errors in our templates.

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A real signature

Draw with your finger or scan your paper signature – it ends up as clean ink in the PDF (ESIGN/UETA: simple electronic signature).

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Let others sign

Invite the other party via link: they sign in the browser, with live status and a signature report.

Ready? Your document is waiting.

Open the template and just start – a few minutes later you’ll have the finished, signed PDF.

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📠 Filled in and signed? Send the document straight from your browser as a real fax – worldwide, no fax machine, with a transmission report. 📠 More about faxing

Frequently asked questions

How is a promissory note different from a loan agreement?

A loan agreement is a two-sided contract that also covers disbursement and the lender’s duties. A promissory note is a one-sided written promise to pay by the borrower – shorter and mainly intended as evidence. For a full arrangement, use the loan agreement.

Does the lender sign too?

A classic promissory note is signed only by the borrower, who promises to pay. You can then give the PDF to the lender or have the lender countersign it via Tamgara.

Do I need a notary or witnesses?

No. A promissory note is enforceable when the borrower signs it – date, amount, parties and repayment terms are what matter. Notarization is not required, though it can help prove the signature is genuine. If the note bears interest, keep the rate within your state’s usury limits.

What does the promissory note cost?

Template, filling out, signing and download are free – no sign-up, no ads. Tamgara is funded through optional extras such as AI document detection; your data is never sold.

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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 U.S. ESIGN Act and state e-signature laws such as UETA (in New York: ESRA); it is not suitable for documents that legally require written form.