Generate an Irish Loan Agreement
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Built for Irish law
Updated 2026
Personal and business loans
This agreement is for private lending between individuals or businesses. It is not a regulated consumer credit agreement. If you are a lender providing credit as a business, you may need Central Bank authorisation.
What's Included
Loan amount and purpose - clearly defined principal amount, currency, and the stated purpose of the loan
Interest rate - fixed or variable rate, calculation method (simple or compound), and whether interest accrues on a daily, monthly, or annual basis
Repayment schedule - lump sum, instalments (monthly/quarterly/annual), or balloon payment structure with specific dates
Security provisions - whether the loan is secured against property, assets, or a personal guarantee, and the process for enforcement
Default and remedies - what constitutes a default, cure periods, acceleration clauses, and the lender's remedies including interest on overdue amounts
Early repayment - whether the borrower can repay early, any prepayment penalties, and notice requirements
Representations and warranties - borrower confirms capacity, no existing defaults, and accuracy of information provided
Irish governing law - governed by the laws of Ireland with Irish court jurisdiction
What We'll Ask You
Our guided questionnaire takes about 3-5 minutes.
1
Lender Details
2
Borrower Details
3
Loan Terms
4
Repayment
5
Security
6
Default
Why Trust This Document
Compliant with Irish contract law for private lending between individuals or businesses
Interest provisions comply with the Consumer Credit Act 1995 where applicable
Clear default and acceleration provisions protect the lender's position
Early repayment clause gives the borrower flexibility while protecting the lender's return
Frequently Asked Questions
Yes. A written loan agreement between family members is strongly recommended. Without one, Revenue may treat the transfer as a gift subject to Capital Acquisitions Tax (CAT). A documented loan with agreed terms (even at 0% interest) provides evidence that the money is expected to be repaid.
Yes. You can set any interest rate the parties agree on. For personal loans, be aware that excessive interest rates may be challenged as unconscionable. Our questionnaire supports fixed and variable rates, simple and compound interest, and 0% (interest-free) loans.
Not necessarily. An unsecured loan relies on the borrower's promise to repay. A secured loan is backed by collateral (such as property or business assets). Security gives the lender recourse if the borrower defaults. Our questionnaire lets you choose either option and define the security if applicable.
Interest received by the lender is taxable income. Interest-free loans between connected persons may have tax implications under Revenue rules. We recommend consulting a tax advisor for your specific situation. Our agreement documents the terms clearly, which is essential for Revenue compliance.
Related Documents
€49
One-time payment - no subscription
Solicitors charge €500-€1,200 for this
Personal or business lending
Fixed or variable interest
Secured or unsecured options
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