Promissory Note - North Carolina

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North Carolina · Fillable PDF · Free

A promissory note is a written promise to repay a loan, such as a loan between family members or friends, with the interest rate and payment schedule spelled out. A promissory note is a written promise to repay a loan, such as a loan between family members or friends, with the interest rate and payment schedule spelled out.

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Who this form is for

A promissory note is a written promise to repay a loan, such as a loan between family members or friends, with the interest rate and payment schedule spelled out.

What you'll need

Read the packet and check the receiving agency's required form.
Gather the names, dates and supporting records requested in the document.
Review the packet's signing, identification and witness instructions.

How to complete it

Set the amount and rate (Page 1) North Carolina’s usury law caps interest at 16% a year on loans of $25,000 or less, while the parties may agree to any rate on larger loans (G.S. 24-1.1), with exceptions such as most business loans. If unsure, check the rate with an attorney.
Choose the payment terms (Page 1) Monthly installments, one lump sum, or other terms.
Borrower signs before a notary The borrower signs the note. Notarizing proves the signature if the lender ever has to enforce it. Bring a current, government-issued photo ID.
The lender keeps the original note. Mark it “Paid” and return it when the loan is repaid.
If the loan is secured by North Carolina real estate, a separate recorded deed of trust is needed. Consult an attorney or title company.

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These forms are a free convenience, not legal advice. First Choice Mobile Notary & Apostille is not a law firm. Consult an attorney licensed in the relevant state for legal questions.

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