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
You lent your sister money during a rough stretch, and now you have decided you would rather just let it go. Forgiving the balance is a generous thing to do, but the IRS can treat forgiven debt as a gift, so a little planning keeps a kind gesture from becoming a tax headache. Here is how to forgive a family loan cleanly.
James Stackpoole · June 29, 2026 at 11:17 AM ET 
Yes. A properly made promissory note is an enforceable contract in North Dakota, and the state's courts will hold a borrower to it. Here's what makes a note binding, how long you have to sue on it, and where North Dakota's interest-rate rules come in.
Sarah Mccullen · June 28, 2026 at 12:24 PM ET 
The difference between a secured and an unsecured note is the difference between a lender who can take something back and one who can only sue and hope. Collateral changes everything about your odds of getting paid, and knowing when to require it is the core lender skill.
Sarah Mccullen · June 26, 2026 at 11:47 AM 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 prepared based on current state usury laws, interest rate regulations, and lending requirements. Many 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.
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