Free Blank Texas Promissory Note (2026)
Download an empty Promissory Note template for Texas: 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 Texas rules, check your entries and build a clean PDF and Word.
Texas rules that this document follows
| Maximum interest (private loans) | 10% per year for personal/household loans — 10% per year max unless the creditor elects an optional ceiling (Fin. Code ch. 303): weekly ceiling = 2x the auction rate of 26-week T-bills, floor 18%, cap 24% (28% for certain commercial loans over $250,000)Source: Tex. Fin. Code § 302.001 |
|---|---|
| Legal rate when none is stated | 6%Source: Tex. Fin. Code § 302.002 (6% beginning 30 days after the debt is due, absent agreement) |
| 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 | 4 yearsSource: Tex. Civ. Prac. & Rem. Code § 16.004(a)(3); Bus. & Com. Code § 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 Texas?
The template follows the Texas 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 Texas 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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