A personal loan agreement that records the amount and due dates
A friendly loan can begin with complete trust and still become confusing when the amount or repayment date was only said aloud. Record what was actually delivered, what must be returned, how and when, and keep evidence of transfers and repayments. Regulated financial products and active disputes require their proper channel or professional advice.
Start a private loan draftRecord the transfer accurately
Name the person providing the money and the person receiving it, the exact amount and currency, the transfer or handover date, and whether it arrived in one installment or several. Do not use an approximate figure when the transfer record shows another number. An opening line is:
“[Recipient] acknowledges receipt of [amount and currency] from [provider] on [date] by [method], repayable according to the schedule below.”
Attach a verified reference to the transfer.
Build a repayment schedule you can check
Give each payment its amount, due date and method. Say what happens if a borrower repays early, partially, or late. Make the installment total understandable and consistent with the parties’ real understanding. Keep evidence of each payment rather than scattering it across messages. Treaty’s loan/debt quick start can organize the draft and payment dates; it does not collect the debt or guarantee payment.
Document later changes
When both sides extend a date or revise the schedule, record the new version and what has already been repaid. Keep the previous record so a future reader can reconcile the original amount and the remainder. If the other side sent a loan document, review it to identify questions about due dates and proof before signing.
Frequently asked
Is a chat message enough?
It may record a conversation, but a clear agreement brings the parties, amount and schedule into one reference.
Does Treaty guarantee repayment?
No. It organizes wording, dates and supporting records; it does not enforce or insure the debt.
Zayenha Treaty is a tool for organizing, understanding, and initially drafting agreements. It does not provide legal advice and is not a substitute for review by a qualified legal professional, especially for high-risk agreements or those with significant financial or regulatory impact.