The Personal Loan Contract serves as the primary documentation for personal lending transactions in the United States. It is used when an individual borrows money for personal, family, or household purposes, whether from a financial institution or private lender. The contract must comply with federal regulations such as TILA and ECOA, as well as state-specific lending laws. It typically includes loan amount, interest rates within legal limits, payment terms, default consequences, and required disclosures. This document protects both lender and borrower by clearly stating all terms and obligations.
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1. 1. Parties: Identification of lender and borrower with full legal names and addresses
2. 2. Background: Context of the loan arrangement and relationship between parties
3. 3. Definitions: Key terms used throughout the agreement
4. 4. Loan Amount and Purpose: Specified amount being borrowed and intended use
5. 5. Interest Rate: Agreed interest rate and calculation method
6. 6. Repayment Terms: Payment schedule, amounts, and methods
7. 7. Default Provisions: Consequences of missing payments or breaching terms
8. 8. Representations and Warranties: Statements of fact by borrower regarding their ability to repay
1. Security: Details of any collateral securing the loan - used when loan is secured by assets
2. Insurance Requirements: Required insurance coverage for secured assets - used when loan is secured by physical assets
3. Guarantor Provisions: Terms relating to any guarantors of the loan - used when a third party guarantees the loan
4. Prepayment Terms: Conditions for early repayment - used when early repayment options are offered
1. Schedule A - Repayment Schedule: Detailed payment amounts and due dates
2. Schedule B - Truth in Lending Disclosures: Federally required lending disclosures
3. Schedule C - Security Details: Description of any collateral (if applicable)
4. Appendix 1 - Payment Instructions: Details of payment methods and processing
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