Loan Agreement Template
Put a private loan in writing. The agreement sets out the amount, interest, repayment schedule and what happens on default, so both sides are clear on the terms.
What's in this template
The Loan Agreement covers the sections below. Each is pre-written and editable, with signing fields already placed for every party.
- Parties
- Loan and Purpose
- Interest
- Repayment
- Early Repayment
- Default
- Costs
- Consumer Credit
- Governing Law
Who signs & who it's for
Signing parties (in order):
- 1Lender
- 2Borrower
Commonly used by:
- Family or friends lending money
- Related-party or shareholder loans
- Anyone formalising a private loan
A starting point, not legal advice
How to send a Loan Agreement for signing
Pick the template
Start from this template in AirSign. The document, signing fields and signer roles are already laid out for you.
Fill in your details
Enter names, dates and the other details as guided fields. Tweak any wording in the editor if you need to.
Send for signing
Send it to each party by email. They sign securely in the browser and everyone gets the completed, audit-trailed document.
Loan Agreement - Frequently Asked Questions
Does this loan agreement comply with consumer credit laws?
The template includes a note about the National Credit Code. It is intended for private and related-party loans, not for lending in the course of a credit business. If you lend regularly or to consumers you may be a regulated credit provider - get advice before using it.
Is this template legally binding in Australia?
When signed electronically through AirSign, agreements made with this template are supported by the Electronic Transactions Act 1999 (Cth) and equivalent state and territory legislation, with a complete audit trail attached to every signature. The wording is an Australian-aligned starting point - for important matters, have it reviewed by a qualified professional.
Can I customise the template before sending it?
Yes. Every field is a fillable variable - names, dates, amounts and other details are entered when you start, and the rest of the wording can be edited in the AirSign editor to suit your situation before you send.
Do the people signing need an AirSign account?
No. Signers receive a secure link by email and can review and sign in their browser - no account, app or installation required. Only the person sending the document needs an AirSign account.
Is it really free to start?
You can start from any template on the AirSign free trial with no credit card required. Browse the wording here, then create your account to fill it in and send it for signing.
Ready to send your Loan Agreement?
Fill in this template with your details and send it for legally binding e-signing. Try AirSign free - no credit card required.