Preview · page 1Anyone lending or borrowing money privately or in business
Loan Agreement
Lend money — to family, friends or your own business — with a signed repayment plan and interest terms.
Quick answer
A loan agreement is a written agreement used by anyone lending or borrowing money privately or in business in South Africa. This template covers loan amount & purpose, interest within nca limits, instalment repayment plan, early repayment allowed and more, drafted with POPIA, the CPA and the ECT Act in mind.
R199
Free live preview · filled Word + PDF · reuse forever
Sign and send: fill it in, pay once, then sign online and email it to the other side to sign back. Included free.
Or get any 3 for R399 · all 28 for R599
What's inside
- 01Loan amount & purpose
- 02Interest within NCA limits
- 03Instalment repayment plan
- 04Early repayment allowed
- 05Default notice procedure
- 06Security (optional)
- 07POPIA data-protection clause
Good to know
Does this apply if I charge no interest?+
Yes — set interest to 'None' and the rest still protects you with a signed repayment plan.
Is a written loan agreement enforceable?+
Yes. It is proof of the debt, and if repayments stop you can demand the balance — or use our Acknowledgement of Debt if a debt already exists.
Is this legal advice?+
No. It's a professionally structured starting point. For high-value or unusual deals, have an attorney review your completed document.
