Free Blank Kentucky Promissory Note (2026)
Download an empty Promissory Note template for Kentucky: the same statute-aware layout our generator uses, with blank lines to fill in by hand. No account, no email, no watermark.
Could not generate the file. Please try again or fill it online. Fill it online instead (free preview)
Answer a few questions — we apply the Kentucky rules, check your entries and build a clean PDF and Word.
Kentucky rules that this document follows
| Maximum interest (private loans) | 19% per year for personal/household loans; loans over $15,000.00 exempt — Loans of $15,000 or less: greater of 19% or 4 points above the Federal Reserve discount rate; loans over $15,000: any rate agreed in writingSource: Ky. Rev. Stat. § 360.010 |
|---|---|
| Legal rate when none is stated | 8%Source: Ky. Rev. Stat. § 360.010(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: Ky. Rev. Stat. § 413.160 (written contracts after 7/15/2014, 10 years); § 355.3-118 (notes, 6 years) |
| 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 Kentucky?
The template follows the Kentucky 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 Kentucky 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.
Related blank forms
- Room Rental Agreement — Kentucky
- Commercial Lease Agreement — Kentucky
- Rental Application — Kentucky
- Bill of Sale — Kentucky
Blank Promissory Note in other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
FormsByState provides self-help document templates and general information, not legal advice. We are not a law firm. For advice about your situation consult a licensed attorney in your state.