Create a Legally Compliant Promissory Note for Your State in Minutes
Fill in your details and get a completed, ready-to-sign promissory note for any US state. Secured, unsecured, installment, and demand notes. Professional PDF for $7.99.
Not a blank template - your details are filled in, formatted to your state's requirements, and ready to sign.
Why Choose Us
What makes Your Promissory Note different.
State-Specific Usury & Interest Rate Compliance
We compile usury caps, interest rate limits, and repayment rules from each state's commercial and consumer lending laws. Your note includes all required warnings and legal language.
Completed & Ready to Use
Your loan terms are filled in and professionally formatted for your state. No blank templates - just customize details, print, and sign.
Cheaper Than Consulting a Lawyer
No legal fees. $7.99 for a state-compliant promissory note instead of $400+ for attorney drafting and review.
Your Data Deletes Automatically
Your data is encrypted in transit and at rest. PDFs and loan data auto-delete after 5 days, so personal and financial information is not stored long-term. We email your note right after purchase, so you keep a backup copy in your inbox.
How It Works
Create a state-specific promissory note in three simple steps.
Select Your State and Note Type
Choose your state and the type of promissory note you need. We load the specific usury limits and legal requirements for your jurisdiction.
Fill In Your Details
Enter lender, borrower, and loan details. Our form guides you through every required field and warns you if your interest rate exceeds your state's usury cap.
Pay $7.99 and Download
Secure checkout via Stripe. Download your professionally formatted, ready-to-sign PDF instantly. Re-download anytime within 5 days.
Most Popular Documents
Choose your note type to get started.
From the Blog
The money is already gone. The agreement was verbal, or maybe there were a few texts about it, but nothing was ever signed. Now your friend isn't paying, isn't responding, or is actively denying the loan existed. You're wondering whether a promissory note can still do anything for you at this point, or whether the window for documentation closed the moment the money left your account...
James Stackpoole · May 15, 2026 at 5:32 PM ET 
You need a promissory note and you're wondering whether to spend $300 on an attorney or just write the thing yourself. It's a reasonable question, and the honest answer is that for most personal and family loans, you don't need a lawyer. But "you don't need a lawyer" and "you can write whatever you want" are not the same thing, and the gap between them is where most self-drafted notes fall apart...
Sarah Mccullen · May 14, 2026 at 1:09 PM ET 
Ten thousand dollars is the number where family loans stop feeling casual. It's enough money to matter significantly if it doesn't come back, enough to create real tension at family gatherings, and exactly the threshold where the IRS starts paying attention to how the loan is structured. It's also, in most families, the amount where someone finally thinks about putting it in writing...
Sarah Mccullen · May 13, 2026 at 3:20 PM ET Free Tools
Helpful calculators and checkers to use before you draft your promissory note.
Check your state's maximum legal interest rate before writing a promissory note. Avoid unenforceable loans.
See the full amortization schedule, total interest, and payoff date for any promissory note.
How long you have to enforce a defaulted promissory note or sue on a written contract - by state.
Frequently Asked Questions
Common questions about legitimacy and your data.
Is this promissory note legally valid?
Yes. Our notes are generated based on current state usury laws, interest rate regulations, and lending requirements. Thousands of lenders and individuals have successfully used them for personal loans and family financing. That said, if your loan involves business operations, complex terms, or legal concerns, consulting an attorney is wise.
Is my data secure?
Payments are processed by Stripe (PCI compliant). All data is encrypted in transit (TLS) and at rest. Your loan data and PDF auto-delete from our servers after 5 days, so we don't store personal or financial information long-term. Your note is also emailed to you at checkout, so you keep a permanent backup copy in your own inbox.
Who is Your Promissory Note?
We're operated by 7H Ventures LLC. We generate state-specific promissory notes and loan documents for individuals, families, and small-business transactions.
What transactions work well with our documents?
Our promissory notes work great for personal loans between friends or family, small business lending, installment payment plans, and demand notes. They are ideal when both parties have agreed on loan terms and need a clear, state-specific document to formalize the arrangement.
State-Specific Promissory Notes for Every Lending Situation
A promissory note is one of the most important documents in any lending relationship. It establishes a legally binding promise from a borrower to repay a specific amount of money to a lender under defined terms, covering everything from interest rates and payment schedules to default remedies and late fees. Every state in the US has its own usury laws that set maximum allowable interest rates, and violating these limits can result in severe penalties including forfeiture of all interest or even the entire principal.
For example, California limits general loans to 10% annual interest for personal loans and 7% when no rate is specified in writing. New York caps interest at 16% and considers anything above 25% criminal usury. Texas allows up to 10% for written agreements but has different rules for commercial transactions. Florida sets its general usury limit at 18% with criminal penalties above 25%. These differences matter because a promissory note that does not account for your state's specific usury laws can be unenforceable or expose the lender to legal liability.
Your Promissory Note generates state-specific, professionally formatted documents that comply with your jurisdiction's usury limits and legal requirements. Whether you are lending money to a family member, financing a vehicle sale, structuring a business loan, or formalizing any other debt, our platform helps you create a compliant promissory note quickly and affordably.
Ready to Create Your Promissory Note?
State-specific, professionally formatted, and ready to sign. All 50 states and DC.
Get Started - $7.99