Free Blank Iowa Promissory Note (2026)
Download an empty Promissory Note template for Iowa: the same statute-aware layout our generator uses, with blank lines to fill in by hand. No account, no email, no watermark.
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Answer a few questions — we apply the Iowa rules, check your entries and build a clean PDF and Word.
Iowa rules that this document follows
| Maximum interest (private loans) | Formula cap — Max rate by written agreement = 2 percentage points above the monthly average 10-year Treasury constant-maturity yield (published monthly by the Iowa Division of Banking; roughly 6.25% in 2026); business, agricultural, corporate and real-estate loans exemptSource: Iowa Code § 535.2 |
|---|---|
| Legal rate when none is stated | 5%Source: Iowa Code § 535.2(1) |
| Late fees | No statutory cap on late fees for private (non-consumer-lender) loans; fee must be a reasonable liquidated-damages estimate and, together with interest, must not push the effective rate above the usury ceiling |
| Cosigner notice | Included when a cosigner is namedSource: 16 C.F.R. § 444.3 |
| Time to sue on a written note | 10 yearsSource: Iowa Code § 614.1(5) |
| Notarization / witnesses | Not required (optional for evidentiary value) |
Frequently asked questions
Is the blank template free?
Yes. The blank Promissory Note is free to download as PDF or Word — no account, no watermark. The paid version is the completed document our generator builds from your answers.
Is it valid in Iowa?
The template follows the Iowa rules listed on this page (reviewed September 2026). A blank form becomes a binding document only once it is completed correctly and signed by the parties. Check the state facts below and consider an attorney for unusual situations.
Should I fill it by hand or online?
Online is safer: the generator applies Iowa limits and notice periods, validates your entries and produces a clean PDF and Word file. Filling by hand works for simple cases — write clearly, initial every page and keep a signed copy for each party.
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