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Promissory note online – loan agreement template

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With this service, you create a promissory note, also known as a loan agreement, online with step-by-step guidance. A promissory note records the terms of a loan in writing, which makes the situation clear and serves as proof of the debt.

The guided online service asks for details of the borrower and the lender, the loan amount and the terms: interest or an interest-free loan, the repayment sched ...

Do the following

  1. Agree on the amount of the debt and the repayment terms.
  2. Have the necessary details of the lender and the borrower ready.
  3. Decide whether to agree on interest, instalments, a due date or other terms for the debt.
  4. Start the online service and answer the questions about the promissory note step by step.
  5. Review the free preview of the document.
  6. Pay for the service and download the finished promissory note as a PDF.
  7. Sign the document and store it as agreed.
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To whom and on what terms

The service is intended for creating an ordinary promissory note where the lender, the borrower, the amount of the debt and the repayment terms are known.

If interest or late-payment interest is agreed for the debt, the terms must comply with applicable legislation. Interest and late-payment interest on monetary debts are governed by the Interest Act.

If the debt involves collateral, guarantees, business financing, international arrangements or other special circumstances, personal legal or tax advice may be needed.

Background information

The service is provided by

Sitova.fi

Responsible for the service

Sitova.fi
Text edited by: Sitova.fi
Updated: 30/9/2026