The Informal Loan Agreement template addresses the common need for documenting lending arrangements in New Zealand where parties prefer a less formal approach while maintaining legal validity. It is particularly useful for situations involving family members, friends, or small business associates who need to formalize their lending arrangements without the complexity of commercial loan documentation. The agreement ensures compliance with New Zealand's Contract and Commercial Law Act 2017 and the Credit Contracts and Consumer Finance Act 2003, while remaining accessible to non-legal users. It includes essential provisions for loan terms, repayment schedules, and default scenarios, with optional sections for security interests and guarantors. This template is designed to protect both lender and borrower interests while maintaining clarity and simplicity in its terms.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Brief context of the loan arrangement and relationship between parties
3. Definitions: Key terms used in the agreement defined in plain language
4. Loan Amount and Purpose: Specific amount being borrowed and its intended use
5. Interest Rate: Interest rate applicable to the loan, calculation method, and frequency
6. Repayment Terms: Payment schedule, amounts, and method of payment
7. Default and Consequences: What constitutes default and the resulting consequences
8. Termination: Conditions under which the agreement can be terminated
9. Governing Law: Confirmation that New Zealand law governs the agreement
1. Security: Details of any assets provided as security for the loan
2. Guarantor Provisions: Terms applying to any guarantors of the loan
3. Early Repayment: Terms for early loan repayment and any associated fees or benefits
4. Insurance Requirements: Any insurance required to be maintained by the borrower
5. Assignment: Whether and how the agreement can be assigned to other parties
6. Dispute Resolution: Process for resolving any disputes between parties
7. Privacy and Confidentiality: Terms regarding the confidentiality of the agreement and handling of personal information
1. Schedule 1: Payment Schedule: Detailed breakdown of payment dates and amounts
2. Schedule 2: Security Details: Description of any security offered, including valuations if applicable
3. Schedule 3: Special Conditions: Any special terms or conditions agreed between the parties
4. Appendix A: Guarantor Declaration: Declaration form for guarantors if applicable
5. Appendix B: Loan Calculator: Breakdown of interest calculations and total repayment amounts
Relevant legal definitions
Clauses
Relevant Industries
Small Business
Real Estate
Retail
Professional Services
Agriculture
Construction
Family Business
Startup
Hospitality
Personal Finance
Relevant Teams
Legal
Finance
Accounting
Compliance
Operations
Credit Control
Risk Management
Business Advisory
Administration
Relevant Roles
Business Owner
Financial Controller
Accountant
Legal Counsel
Finance Manager
Small Business Advisor
Company Director
Operations Manager
Credit Manager
Compliance Officer
Family Trust Administrator
Private Lender
Business Development Manager
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