Free Blank New York Promissory Note (2026)
Download an empty Promissory Note template for New York: 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 New York rules, check your entries and build a clean PDF and Word.
New York rules that this document follows
| Maximum interest (private loans) | 16% per year for personal/household loans; loans to business entities exempt; loans over $250,000.00 exempt — 16% per year max by written contract (civil usury); loans of $250,000 or more are exempt from civil usury, and loans of $2,500,000 or more from all usury; corporate borrowers may not assert civil usurySource: N.Y. Gen. Oblig. Law § 5-501 |
|---|---|
| Criminal usury threshold | 25%Source: N.Y. Penal Law § 190.40 |
| Legal rate when none is stated | 9%Source: N.Y. C.P.L.R. § 5004 |
| 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 | 6 yearsSource: N.Y. C.P.L.R. § 213(2) |
| 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 New York?
The template follows the New York 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 New York 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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