Private Loan Agreement (Prêt entre particuliers, France) — 2026 template

Loan of money between individuals, with written proof and the 5 000 EUR tax-declaration rule

Country
France
Category
Loans and IOUs
Checked against the law

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What's inside

  • Written agreement required above 1 500 EUR (art. 1359 C. civ.)
  • Amount in words and figures by the borrower (art. 1376 C. civ.)
  • Interest only if fixed in writing (art. 1907 C. civ.)
  • Declaration on form n° 2062 if loans to one borrower exceed 5 000 EUR in a year
  • Repayment schedule, default and five-year limitation (art. 2224 C. civ.)

Legal basis

  • Code civil arts. 1892 ff., 1905, 1907 (prêt de consommation, intérêts)
  • Code civil arts. 1359, 1376 (proof by writing)
  • Code civil art. 2224 (five-year limitation)
  • Déclaration des prêts — formulaire n° 2062 (seuil 5 000 EUR par an et par emprunteur, DGFiP / service-public.gouv.fr)

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 French version is signed or required by law, that version prevails.

Important: a loan of more than 1 500 EUR must be proved by a written document (art. 1359 C. civ.). When the total of loans granted to the same borrower exceeds 5 000 EUR in a year, the loan must be declared to the tax authority on form n° 2062 together with the income tax return. Any interest rate must not exceed the usury rate (taux d'usure) published quarterly by the Banque de France.

1. Parties

Lender (prêteur): [Lender full name], born [Lender date of birth], residing at [Lender address].

Borrower (emprunteur): [Borrower full name], born [Borrower date of birth], residing at [Borrower address].

2. Loan

2.1. The Lender lends the Borrower the sum of [Amount in figures] EUR (prêt de consommation, arts. 1892 ff. C. civ.).

2.2. The funds are paid on [Payout date] by [bank transfer from IBAN Lender IBAN / cheque no. Cheque number]. Payment by bank transfer is recommended to evidence the transfer of funds.

2.3. Purpose (optional): [Purpose of the loan].

3. Interest

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