Private loan agreement between friends or family – free template (UK)
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 rules for lenders do not usually apply when the lender is not in business. Both sign and each keeps a copy.
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Loan agreement
- Lender
- Priya Sharma, 14 Elm Road, Leeds LS6 2AB
- Borrower
- Ravi Sharma, 88 Station Road, Sheffield S9 2AA
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: Sort code 00-00-00, account 00000000.
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 England and Wales, legal position as of October 2026. Not legal advice. Please check that it is up to date and fits your situation.
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Free, no sign-up, nothing uploaded. Help in 11 languages, the document stays in English.
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