Self-complete template. You get an editable Word template, plain-English guidance notes and a completion checklist, emailed within minutes of payment. Written for use in Ireland.
Not included: legal advice, tailoring, review, witnessing or filing. OnlineLegalServices.ie is operated by Plus Promotions Limited, which is not a solicitor’s practice. If you want a solicitor to review your completed document, find one through the Law Society of Ireland’s directory.
A personal loan agreement in Ireland records the terms on which one person lends money to another person or a business. Lending money to family, a friend or a business without a written agreement is risky. This template is a loan agreement covering the parties, amount, interest (if any), instalments and dates, early repayment, events of default and what happens if the borrower does not pay. You receive the agreement ready for signing, with signing instructions.
What’s included
- Editable Word template written for use in Ireland
- Plain-English guidance notes explaining each section
- Completion checklist
- Delivered by email after payment — you fill it in yourself
Not included: legal advice, tailoring, review, witnessing or filing.
Who this is for
- Parents lending money to an adult child
- Friends lending or borrowing money
- Business owners lending money to their own company or another business
- Lenders who want the terms clear in case repayment becomes an issue
How it works
- Pay the price shown on this page by card.
- The template, guidance notes and checklist are emailed to you.
- Complete the template yourself using the guidance notes.
- If you want your completed document checked, ask a solicitor of your choice — you can find one through the Law Society of Ireland’s Find a Solicitor directory.
Frequently asked questions
How much does a personal loan agreement cost in Ireland?
The price of this self-complete template is shown at the top of this page. You pay once and there are no further charges from us. The price covers the template and guidance notes only — it does not include legal advice or review by a solicitor.
Do I need a written agreement to lend money to family?
It is not always legally required, but a written agreement makes the terms clear, reduces the risk of misunderstanding and makes it easier to recover the money if something goes wrong.
Can a loan agreement be interest-free?
Yes. The agreement can provide for interest or no interest. Tax consequences can arise in some cases, so you may want to take tax advice on larger loans.
For more on business contracts and running a company in Ireland, see our Business Legal Advice hub.
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