Private Loan Agreement (Prêt entre particuliers, France)：2026 模板

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