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. A state-specific promissory note for $7.99, without paying an attorney to draft it.
Your Data Deletes Automatically
Your form details are encrypted in transit and at rest. PDFs and loan data auto-delete after 5 days, so the names, amounts, and terms you typed in are not stored long-term. We email your note right after purchase, so you keep a backup copy in your inbox.
From the Blog
An agent can sign a promissory note for someone else if the power of attorney covers borrowing and the signature shows the agent's capacity. Here's what a lender should check.
Sarah Mccullen · November 14, 2026 at 1:21 PM ET 
Federal law lets a judgment creditor take at most 25 percent of disposable pay. Here is how 17 states shrink that number, and which ones block garnishment outright.
James Stackpoole · November 13, 2026 at 1:51 PM ET 
A small payment can reset the deadline to sue on a note in some states and do nothing in others. Here's how 17 states treat payments and written acknowledgments.
Sarah Mccullen · November 12, 2026 at 12:25 PM ET 
Families often lend a parent's savings to a child, or the reverse, without thinking about long-term care. Medicaid looks back five years, and a promissory note that does not meet three federal requirements is treated as a gift. What those requirements are and why they matter.
Sarah Mccullen · November 11, 2026 at 12:44 PM ET 
An amendment changes specific terms of a signed note. Here's what it must identify, who has to sign it, and a full sample built on a $12,000 note.
Sarah Mccullen · November 10, 2026 at 12:31 PM ET 
A family bridge loan covers the gap until a home sells. Here is how to set the maturity, secure it, structure interest-only payments, and plan for a sale that falls through.
James Stackpoole · November 9, 2026 at 12:29 PM ET 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.
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 my promissory note valid?
A promissory note that states the amount, interest, and repayment terms and is signed by both parties is a legally binding document, and ours are built to follow current state usury and lending rules. Many lenders and individuals have successfully used them for personal loans and family financing. That said, we are not a law firm, and 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 the contents of your note are not stored long-term. Your note is also emailed to you at checkout, so you keep a permanent backup copy in your own inbox.
How quickly will I get my promissory note?
Instantly. As soon as your payment goes through, your completed PDF is ready to download, and we also email a copy to you right away so you have it on file.
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