Free Loans and Credit Forms

20
total templates

Whether you are looking for new financial opportunities for your business or thinking about personal loans and credit, our guide will let you discover more about these financial instruments. See our library of templates below to start the loan process.

How Do Loans Work?

Before you negotiate and sign any loan agreements, you need to learn the basics about loans and credit and find out how you can borrow money at the lowest cost:

  • The loan usually refers to a sum of money borrowed from a financial institution or an individual with the obligation to pay it back, generally with interest and fees;
  • You pay the loan over time – several months or even years;
  • Potential lenders will require a lot of documents from you before your loan application is approved – they will examine your credit history, financial situation, employment history, and other factors before agreeing to a loan;
  • Interest rates are fixed or variable – they depend on your credit rating, amount of money borrowed, and the term of the loan. 

The loan process includes four general steps:

  1. Applying for a loan. Contact a bank or individual that provides loans and notify them about your intention to take out a loan.
  2. Qualifying for a loan. Once the lender receives your application and supplemental documents, they will determine your eligibility for a loan.
  3. Receiving the loan funds in case of approval. Within weeks a loan will be sent to the account you indicate for a lender.
  4. Paying the loan balance. Your agreement with a lender will list the full loan amount and the due dates of installment payments that include interest.

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Documents

20

"Bail Bond Form"

Rate (4.6 / 5) 15 votes
Size: 62 KB
2 pages

A defendant may use this legal document to stay away from jail until their court date comes, provided that the court has received a financial guarantee that obliges the person to appear in person when the trial takes place.

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Bond Form Business

"Surety Bond Form"

Rate (4.3 / 5) 8 votes
Size: 73 KB
2 pages

This bond obligates the principal to perform some kind of work for the obligee, and the third party promises to compensate the obligee if the principal fails to comply with their responsibilities.

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Bond Form Business

"Bid Bond Form"

Rate (4.4 / 5) 35 votes
Size: 63 KB
1 page

This is a financial agreement that guarantees that a contractor selected for a specific job will fulfill all of the obligations listed in the text of the bid.

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Bond Form Business

"Performance Bond Form"

Rate (4.5 / 5) 8 votes
Size: 86 KB
4 pages

This form confirms the surety's obligation to make a payment towards the owner of a construction project in case their contractor failed to comply with their responsibilities.

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Bond Form Business

"Payment Bond Form"

Rate (4.6 / 5) 35 votes
Size: 72 KB
2 pages

You may use this document to protect the interests of subcontractors and suppliers that are working on a specific project.

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Bond Form Business

"Employee Loan Agreement Template"

Rate (4.3 / 5) 8 votes
Size: 65 KB
1 page

This contract contains the consent of an employer to provide a loan to an employee, which will be further deducted from the employee's payroll.

"Loan Agreement Template"

Rate (4.3 / 5) 27 votes
Size: 82 KB
2 pages

This is a contract used to document and formalize all obligations that regulate receiving the loan and paying it back.

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Loan Agreement Template Business

"Shareholder Loan Agreement Template"

Rate (4.6 / 5) 30 votes
Size: 80 KB
2 pages

This type of agreement is used when a corporation borrows money from a shareholder in order to explain the details of the loan and to serve as evidence of the debt.

"Secured Promissory Note Template"

Rate (4.8 / 5) 12 votes
Size: 88 KB
3 pages

Individuals may use this template when they would like to secure a financial obligation to legally bind a borrower to pay their loan back to a lender.

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Promissory Note Template Business

"Unsecured Promissory Note Template"

Rate (4.3 / 5) 13 votes
Size: 86 KB
3 pages

This template establishes the basic terms of the agreement between a lender and a borrower regarding the money the former has provided the latter with.

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Promissory Note Template Business

"Financial Statement Template"

Rate (4.7 / 5) 6 votes
Size: 107 KB
2 pages

This is a written record that conveys the activities and the financial performance of your business or company.

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Budgeting Business

"Loan Amortization Schedule Template"

Rate (4.6 / 5) 9 votes
Size: 87 KB
4 pages

An individual can use this spreadsheet to outline payments for a loan, to calculate the money that goes towards the lender and to the interest until the borrower has paid off the entire amount of a loan.

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Business

"Security Agreement Template"

Rate (4.7 / 5) 15 votes
Size: 138 KB
8 pages

This is a formal document signed by a lender and a borrower in which the borrower provides their property or interest in an asset as collateral for a loan.

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Business

"Subordination Agreement Template"

Rate (4.4 / 5) 5 votes
Size: 73 KB
3 pages

This is a formal document signed by a lender and a debtor by means of which the parties confirm the existing debt owed by the borrower has a preference before other debts of the borrower.

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Business

"Credit Application Form"

Rate (4.6 / 5) 19 votes
Size: 63 KB
2 pages

This document serves as a way for financial institutions to assess the creditworthiness of a potential individual or corporate customer.

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Business

"Revolving Credit Agreement Template"

Rate (4.3 / 5) 21 votes
Size: 80 KB
2 pages

According to a Revolving Credit Agreement, a seller allows a buyer to make purchases under this account on the terms and conditions established in the agreement.

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Business

"Credit Card Authorization Form"

Rate (4.4 / 5) 30 votes
Size: 65 KB
2 pages

The purpose of this document is to give permission to a seller to request payment once or on a regular basis when a credit card is not present.

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Consent Form Business

"Iou Template"

Rate (4.3 / 5) 11 votes
Size: 58 KB
1 page

An IOU is a typed or handwritten document that outlines the details about the debt owed by one party (borrower, or debtor) to another (creditor, or lender).

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Business

"Personal Guarantee Template"

Rate (4.5 / 5) 22 votes
Size: 81 KB
3 pages

This form expresses a written promise by a guarantor to take responsibility for a debtor if they fail to pay their debt to a lender.

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Business

"Corporate Guarantee Template"

Rate (4.7 / 5) 21 votes
Size: 81 KB
3 pages

You may use this legal agreement when an entity is facing bankruptcy between a borrower, lender, and guarantor, where a corporation (usually an insurance company) takes on the responsibility of ensuring a borrower repays their debt.

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Business
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