Free Blank Oregon Promissory Note (2026)
Download an empty Promissory Note template for Oregon: 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 Oregon rules, check your entries and build a clean PDF and Word.
Oregon rules that this document follows
| Maximum interest (private loans) | 12% per year for personal/household loans; business loans exempt; loans over $50,000.00 exempt — Loans of $50,000 or less: greater of 12% or 5 points above the Federal Reserve discount rate; loans over $50,000, business loans and licensed lenders exemptSource: Or. Rev. Stat. § 82.010 |
|---|---|
| Legal rate when none is stated | 9%Source: Or. Rev. Stat. § 82.010(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 |
| Attorneys' fees | A one-way fee clause is made reciprocal by statute — the borrower can recover fees tooSource: ORS 20.096 |
| Cosigner notice | Included when a cosigner is namedSource: 16 C.F.R. § 444.3 |
| Time to sue on a written note | 6 yearsSource: Or. Rev. Stat. § 12.080(1) |
| 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 Oregon?
The template follows the Oregon 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 Oregon 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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