Private loan agreement between friends or family – free template (Ireland)
Put a loan between private people in writing: the amount, how and when it is repaid, any interest and what happens if payments are missed. The Consumer Credit Act rules for lenders do not usually apply when the lender is not in business. A large interest-free loan within the family can count as a gift for Capital Acquisitions Tax; check with Revenue.
Free, no sign-up, nothing uploaded. Help in 11 languages, the document stays in English.
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Loan agreement
- Lender
- Aoife Byrne, 12 Harbour View, Galway H91 X2Y3
- Borrower
- Ciarán Byrne, 40 Main Street, Athlone N37 F6D7
1. The lender lends the borrower €3,000.00, paid on 31 October 2026. The borrower confirms receipt.
2. No interest is charged.
3. The borrower repays in monthly instalments of €250.00, the first on 30 November 2026 and then on the same day each month, until the loan is repaid in full, by transfer to: IE00 BANK 0000 0000 0000 00.
4. The borrower may repay early at any time without charge.
5. If an instalment is more than 30 days late, the lender may ask in writing for the whole outstanding amount to be repaid within 30 days.
6. Changes to this agreement must be in writing and signed by both parties.
Place and date: ______________________
Created with Pflichtblatt (pflichtblatt.com). General guidance under the law of Ireland, legal position as of October 2026. Not legal advice. Please check that it is up to date and fits your situation.
This is what the finished document looks like. Replace the sample data with your own in the form.
Questions
Is this template really free?
Yes. Pflichtblatt is free, has no ads, no sign-up and no tracking. Everything you type stays in your browser; the PDF is created on your device.
What does “Eircode” mean?
Every Irish address has a 7-character postcode, such as H91 X2Y3. It helps letters and deliveries arrive. You can look up any Eircode at eircode.ie.
Free, no sign-up, nothing uploaded. Help in 11 languages, the document stays in English.
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