Private loan agreement between individuals (France)
Published byDocMuse
This document is in French
The PDF you download is in French — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
For lending money to a relative or friend in France and keeping solid proof of it. The agreement, in French under French law, sets the amount, payment by bank transfer, a written interest rate or an interest-free loan, repayment in one sum or by monthly instalments, early repayment and what follows a late payment. It leaves the space where the borrower writes the sum in words and figures by hand (article 1376 of the French Civil Code) and recalls the tax declaration on form 2062 above €5,000. Print two copies, both signed by both parties.
- Made for use in France
- Last updated October 13, 2026
When to use this document
- You are lending money to a friend or relative in France and want proof that it is a loan, not a gift.
- Your parents are lending you money for a flat or a car and want everything in writing.
- You want to agree in writing on monthly repayments and on any interest.
- You need a loan agreement between private individuals, signed by both sides.
What you fill in
The details the document asks for.
- Lender
- Lender's date of birth
- Lender's address
- Borrower
- Borrower's date of birth
- Borrower's address
- Amount
- Date the loan is paid out
- Borrower's bank account (IBAN)
- Annual interest rate (0% if the loan is interest-free)
- How the loan is repaid
- Repayment date
- Number of instalments
- Amount of each monthly instalment
- Due date of the first instalment
- Lender's bank account
- Additional terms
- City
- Date
Preview
This document is produced for you. Your answers are typed into it and the finished PDF is yours to keep.
Common questions
- Does a loan between individuals in France have to be in writing and declared?
- The loan is valid without writing, but above €1,500 it is proved in writing (article 1359 of the French Civil Code). The agreement proves the loan if the borrower writes the sum in words and figures by hand (article 1376); pay the money by bank transfer to keep a trace. A loan of more than €5,000 is declared on form 2062, as a rule by the borrower with the income tax return. “Lu et approuvé” has no legal force, so the agreement does not print it.
- Can a family or friendly loan in France carry interest?
- Yes, or none: a rate of 0% makes the loan interest-free. An interest rate must be set in writing (article 1907 of the French Civil Code) and may not exceed the usury rate, which the Banque de France publishes every quarter (article L. 314-6 of the French Consumer Code). Interest received is taxable income for the lender. On late payment the agreement provides interest from the formal demand, and immediate repayment of the balance if an instalment is still unpaid fifteen days after it.
- What can a lender in France do if the borrower does not repay?
- First send a formal demand by registered letter with proof of receipt: it starts late-payment interest (article 1344-1 of the French Civil Code). The lender can then apply to the tribunal judiciaire for an order to pay (injonction de payer), with the signed agreement and the proof of transfer; that application needs no prior amicable attempt (Cour de cassation, opinion of 25 September 2025). A summons for €5,000 or less, by contrast, must be preceded by an attempt at conciliation, mediation or a participatory procedure (article 750-1 of the French Code of Civil Procedure); the conciliateur de justice is free.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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