Private Loan Agreement (Darlehensvertrag, Germany) — 2026 template
Money loan between private persons under § 488 BGB with repayment schedule and notice rules
- Country
- Germany
- Category
- Loans and IOUs
- Checked against the law
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What's inside
- Loan amount, payout and confirmation of receipt
- Interest (or no interest) and payment dates (§ 488(2) BGB)
- Fixed repayment dates or three-month notice (§ 488(3) BGB)
- Default interest (§ 288 BGB) and acceleration
- Note on consumer credit rules when the lender is a business (§ 491 BGB)
Legal basis
- BGB §§ 488, 489
- BGB § 491 (scope of consumer credit rules)
- BGB §§ 286, 288, 247
Start of the text
This is the beginning of the template. Fields in square brackets are filled in the Legal editor.
Working English version. Where a German version is signed or required by law, that version prevails.
This Loan Agreement (Darlehensvertrag) is made on [Date] between [Lender full name], [Lender address] (the "Lender"), and [Borrower full name], [Borrower address] (the "Borrower").
1. Loan
1.1. The Lender grants the Borrower a loan of [Loan amount in figures] EUR (in words: [Loan amount in words] euros) (§ 488(1) BGB).
1.2. The loan is paid out [in cash on signing / by transfer to the Borrower's account Borrower IBAN] on [Payout date]. The Borrower confirms receipt in Section 6.
1.3. Purpose (optional): [Purpose of the loan].
2. Interest
2.1. The loan bears interest at [Interest rate] % per year [or: The loan bears no interest].
2.2. Unless otherwise agreed, interest is payable after the end of each year and, if the loan is to be repaid earlier, upon repayment (§ 488(2) BGB). Agreed interest dates: [Interest payment dates].
3. Repayment
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