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Loan agreement between friends

Lender:

[LENDER NAME], [LENDER PHONE OR EMAIL]

Borrower:

[BORROWER NAME], [BORROWER PHONE OR EMAIL]

Date agreed:

[DATE AGREED]

1. 1. What we're doing

   [LENDER NAME] lends [BORROWER NAME] [LOAN AMOUNT] [CURRENCY], sent by [HOW, FOR EXAMPLE BANK TRANSFER] on [TRANSFER DATE]. This is a loan, not a gift.

2. 2. Price and payment

   [BORROWER NAME] pays it back like this: [REPAYMENT SCHEDULE, FOR EXAMPLE AMOUNT ON DATE AND AMOUNT ON DATE], by [HOW]. Interest: [NONE / THE RATE AND HOW IT IS WORKED OUT].

3. 3. Changes

   If a date will not work, [BORROWER NAME] says so before that date, and we agree on a new date in writing. Paying early is always fine. Each change is a new message, not an edit.

4. 4. Dates

   Money sent [TRANSFER DATE]. Payments due [PAYMENT DATES]. Fully repaid by [FINAL DATE].

5. 5. If someone walks

   If a payment is missed, [LENDER NAME] sends one reminder, and we set a new date within [NUMBER] days. We both agree the unpaid amount is still owed until it is paid, or until we both agree otherwise in writing.

Agreed

• [LENDER NAME], [DATE]
• [BORROWER NAME], [DATE]

Each of us keeps a copy.