Pagaré
Pagaré con garantía o sin ella, pago en cuotas o único, interés dentro del límite legal de su estado, cargos por mora y términos de incumplimiento.
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Compare las reglas de Pagaré en los 50 estados
Cifras legales clave lado a lado. Haga clic en una columna para ordenar o escriba para encontrar su estado: cada nombre abre el generador específico del estado.
| Alabama | 8% per year for personal/household loans; loans over $2,000.00 exempt | 6% | 6 years | Not required (optional for evidentiary value) |
|---|---|---|---|---|
| Alaska | Formula cap | 10.5% | 3 years | Not required (optional for evidentiary value) |
| Arizona | No cap on interest agreed in writing | 10% | 6 years | Not required (optional for evidentiary value) |
| Arkansas | 17% per year for personal/household loans | 6% | 5 years | Not required (optional for evidentiary value) |
| California | 10% per year for personal/household loans | 7% | 4 years | Not required (optional for evidentiary value) |
| Colorado | 45% per year for personal/household loans | 8% | 6 years | Not required (optional for evidentiary value) |
| Connecticut | 12% per year for personal/household loans; loans to business entities exempt; loans… | 8% | 6 years | Not required (optional for evidentiary value) |
| Delaware | Formula cap | See statute | 3 years | Not required (optional for evidentiary value) |
| Distrito de Columbia | 24% per year for personal/household loans | 6% | 3 years | Not required (optional for evidentiary value) |
| Florida | 18% per year for personal/household loans; loans over $500,000.00 exempt | See statute | 5 years | Not required (optional for evidentiary value) |
| Georgia | 16% per year for personal/household loans; loans over $3,000.00 exempt | 7% | 6 years | Not required (optional for evidentiary value) |
| Hawái | 12% per year for personal/household loans; business loans exempt | 10% | 6 years | Not required (optional for evidentiary value) |
| Idaho | No cap on interest agreed in writing | 12% | 5 years | Not required (optional for evidentiary value) |
| Illinois | 9% per year for personal/household loans; business loans exempt; loans to business… | 5% | 10 years | Not required (optional for evidentiary value) |
| Indiana | No cap on interest agreed in writing | 8% | 6 years | Not required (optional for evidentiary value) |
| Iowa | Formula cap | 5% | 10 years | Not required (optional for evidentiary value) |
| Kansas | 15% per year for personal/household loans; business loans exempt | 10% | 5 years | Not required (optional for evidentiary value) |
| Kentucky | 19% per year for personal/household loans; loans over $15,000.00 exempt | 8% | 10 years | Not required (optional for evidentiary value) |
| Luisiana | 12% per year for personal/household loans; business loans exempt; loans to business… | See statute | 5 years | Not required (optional for evidentiary value) |
| Maine | No cap on interest agreed in writing | 6% | 6 years | Not required (optional for evidentiary value) |
| Maryland | 8% per year for personal/household loans; business loans exempt; loans to business… | 6% | 3 years | Not required (optional for evidentiary value) |
| Massachusetts | No cap on interest agreed in writing | 6% | 6 years | Not required (optional for evidentiary value) |
| Míchigan | 7% per year for personal/household loans; loans to business entities exempt | 5% | 6 years | Not required (optional for evidentiary value) |
| Minnesota | 8% per year for personal/household loans; loans to business entities exempt; loans… | 6% | 6 years | Not required (optional for evidentiary value) |
| Misisipi | 10% per year for personal/household loans; business loans exempt; loans to business… | 8% | 3 years | Not required (optional for evidentiary value) |
| Misuri | 10% per year for personal/household loans; loans to business entities exempt;… | 9% | 10 years | Not required (optional for evidentiary value) |
| Montana | 15% per year for personal/household loans | 10% | 8 years | Not required (optional for evidentiary value) |
| Nebraska | 16% per year for personal/household loans; business loans exempt; loans to business… | 6% | 5 years | Not required (optional for evidentiary value) |
| Nevada | No cap on interest agreed in writing | See statute | 6 years | Not required (optional for evidentiary value) |
| Nuevo Hampshire | No cap on interest agreed in writing | 10% | 3 years | Not required (optional for evidentiary value) |
| Nueva Jersey | 16% per year for personal/household loans; loans to business entities exempt; loans… | 6% | 6 years | Not required (optional for evidentiary value) |
| Nuevo México | No cap on interest agreed in writing | 15% | 6 years | Not required (optional for evidentiary value) |
| Nueva York | 16% per year for personal/household loans; loans to business entities exempt; loans… | 9% | 6 years | Not required (optional for evidentiary value) |
| Carolina del Norte | 16% per year for personal/household loans; loans over $25,000.00 exempt | 8% | 3 years | Not required (optional for evidentiary value) |
| Dakota del Norte | Formula cap | 6% | 6 years | Not required (optional for evidentiary value) |
| Ohio | 8% per year for personal/household loans; business loans exempt; loans over… | See statute | 6 years | Not required (optional for evidentiary value) |
| Oklahoma | 10% per year for personal/household loans | 6% | 5 years | Not required (optional for evidentiary value) |
| Oregón | 12% per year for personal/household loans; business loans exempt; loans over… | 9% | 6 years | Not required (optional for evidentiary value) |
| Pensilvania | 6% per year for personal/household loans; business loans exempt; loans to business… | 6% | 4 years | Not required (optional for evidentiary value) |
| Rhode Island | 21% per year for personal/household loans | 12% | 10 years | Not required (optional for evidentiary value) |
| Carolina del Sur | No cap on interest agreed in writing | 8.75% | 3 years | Not required (optional for evidentiary value) |
| Dakota del Sur | No cap on interest agreed in writing | 12% | 6 years | Not required (optional for evidentiary value) |
| Tennessee | Formula cap | 10% | 6 years | Not required (optional for evidentiary value) |
| Texas | 10% per year for personal/household loans | 6% | 4 years | Not required (optional for evidentiary value) |
| Utah | No cap on interest agreed in writing | 10% | 6 years | Not required (optional for evidentiary value) |
| Vermont | 12% per year for personal/household loans | 12% | 6 years | Not required (optional for evidentiary value) |
| Virginia | 12% per year for personal/household loans; loans to business entities exempt;… | 6% | 5 years | Not required (optional for evidentiary value) |
| Washington | 12% per year for personal/household loans; business loans exempt | 12% | 6 years | Not required (optional for evidentiary value) |
| Virginia Occidental | 8% per year for personal/household loans; business loans over $20,000.00 exempt | 6% | 10 years | Not required (optional for evidentiary value) |
| Wisconsin | No cap on interest agreed in writing | 5% | 6 years | Not required (optional for evidentiary value) |
| Wyoming | No cap on interest agreed in writing | 7% | 10 years | Not required (optional for evidentiary value) |
Ningún estado coincide; pruebe el código de dos letras.
Los valores están abreviados; abra la página del estado para ver la regla completa y su fuente.
Qué cubre este documento
- Deudor, prestamista y codeudor opcional
- Capital, fecha y propósito (personal o comercial)
- Tasa de interés verificada contra el límite de usura
- Cuotas, pago único o a la vista con cuota amortizada
- Cargo por mora e interés moratorio
- Cláusula de salvaguarda de usura
- Incumplimiento, plazo de subsanación y aceleración
- Colateral y gravamen UCC o en el título
- Pago anticipado sin penalidad
- Aviso al codeudor (FTC / California)
Cómo usar este Pagaré en US
Mantenga el interés en o por debajo del límite de your state; un pagaré usurario puede hacer perder todo el interés, y los cargos por mora cuentan para el límite. Entre familiares, la tasa federal aplicable (AFR) es el mínimo para préstamos mayores de $10,000.
Si firma un codeudor, entréguele el Aviso al Codeudor (Sección 7) antes de firmar; en California y bajo la regla de la FTC la garantía no es exigible sin él.
Firme un original; el prestamista lo guarda y el deudor conserva copia. Al pagar, márquelo 'PAGADO' y devuélvalo.
Otros nombres
- pagaré
- contrato de préstamo
- préstamo personal entre particulares
- pagaré con garantía
- carta de préstamo
- acuerdo de préstamo familiar
Documentos relacionados
Pagaré en blanco por estado
gratis, sin cuenta · PDF + Word
Elija su estado ▾
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Distrito de Columbia
- Florida
- Georgia
- Hawái
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Luisiana
- Maine
- Maryland
- Massachusetts
- Míchigan
- Minnesota
- Misisipi
- Misuri
- Montana
- Nebraska
- Nevada
- Nuevo Hampshire
- Nueva Jersey
- Nuevo México
- Nueva York
- Carolina del Norte
- Dakota del Norte
- Ohio
- Oklahoma
- Oregón
- Pensilvania
- Rhode Island
- Carolina del Sur
- Dakota del Sur
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Virginia Occidental
- Wisconsin
- Wyoming
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