Loan Agreement - Personal

California Financial & Banking Updated September 3, 2026 Free Word and PDF

CALIFORNIA PERSONAL LOAN TRANSACTION DEVELOPMENT PACKET

NOT A LOAN AGREEMENT — DO NOT SIGN OR FUND

Use this packet to classify the proposed credit, calculate terms, identify required disclosures and licenses, document underwriting and servicing decisions, and prepare counsel-approved loan documents. Completing a field does not create a debt or authorize disbursement.

1. MATTER CONTROL

Item Information
Proposed lender [________________________________]
Proposed borrower [________________________________]
Requested principal $[________]
Stated purpose [________________________________]
Proposed funding date [__/__/____]
Proposed final payment date [__/__/____]
Borrower's residence [________________________________]
Borrower's work and transaction locations [________________________________]
Lender's location and formation [________________________________]
Collateral location, if any [________________________________]
Lending counsel [________________________________]
Consumer or regulatory counsel [________________________________]
Tax adviser [________________________________]
Servicer [________________________________]

2. CREDIT AND PARTY CLASSIFICATION

Question Facts and documents Counsel conclusion
Personal, family, household, business, agricultural, investment, education, medical, real-estate, vehicle, or mixed purpose? [________________________________] [________________________________]
Individual, trust, estate, entity, employee, owner, family member, friend, platform user, or other borrower? [________________________________] [________________________________]
Bank, credit union, licensed lender, employer, seller, platform, business, family member, friend, or occasional lender? [________________________________] [________________________________]
Direct loan, installment loan, line of credit, sale financing, deferred payment, advance, reimbursement, or other structure? [________________________________] [________________________________]
Secured, unsecured, guaranteed, co-borrowed, cosigned, or supported by another arrangement? [________________________________] [________________________________]
Consumer-purpose dwelling, principal residence, home improvement, mortgage, or land connection? [________________________________] [________________________________]
Military, student, medical, payday, small-dollar, high-cost, earned-wage, pawn, title, tax-refund, or other special product? [________________________________] [________________________________]
Cross-border, tribal, multistate, online, marketplace, lead-generator, broker, or assignee issue? [________________________________] [________________________________]
Recurring lending, advertisement, solicitation, broker, servicing, collection, or credit-reporting activity? [________________________________] [________________________________]
Employer, insider, owner, partnership, divorce, probate, bankruptcy, immigration, benefit, or tax issue? [________________________________] [________________________________]

If the purpose or classification is mixed or uncertain, pause drafting and use the more protective review route until counsel resolves it.

3. CURRENT-LAW AND COMPLIANCE REGISTER

Complete a separate jurisdiction profile for every location and role that may govern.

Issue Current official authority or regulator source Operative quotation or requirement Transaction consequence Checked on
Lender, broker, servicer, collector, platform, and assignee licensing [________] "[________]" [________] [__/__/____]
Rate, usury, finance charge, fee, late charge, and default rate [________] "[________]" [________] [__/__/____]
APR and finance-charge calculation [________] "[________]" [________] [__/__/____]
Required precontract, account-opening, and closing disclosures [________] "[________]" [________] [__/__/____]
Cooling-off, rescission, cancellation, or withdrawal right [________] "[________]" [________] [__/__/____]
Prepayment, rebate, payoff, and payment allocation [________] "[________]" [________] [__/__/____]
Underwriting, ability-to-repay, discrimination, and adverse action [________] "[________]" [________] [__/__/____]
Identity, sanctions, fraud, military, age, capacity, and guardianship [________] "[________]" [________] [__/__/____]
Security interest, collateral, filing, title, homestead, and repossession [________] "[________]" [________] [__/__/____]
Guaranty, cosigner, spouse, and surety protections [________] "[________]" [________] [__/__/____]
Payment authorization, electronic funds, automatic debit, and revocation [________] "[________]" [________] [__/__/____]
Servicing, statements, receipts, payoff, errors, disputes, and complaints [________] "[________]" [________] [__/__/____]
Delinquency, notice, cure, acceleration, collection, credit reporting, and limitation [________] "[________]" [________] [__/__/____]
Bankruptcy, death, incapacity, divorce, and transfer [________] "[________]" [________] [__/__/____]
Privacy, data, security, recording, monitoring, and communication [________] "[________]" [________] [__/__/____]
Governing law, forum, arbitration, class, jury, fees, and service [________] "[________]" [________] [__/__/____]
Tax, imputed interest, gift, reporting, withholding, and forgiveness [________] "[________]" [________] [__/__/____]

A “maximum lawful rate” savings clause does not replace correct classification, calculation, licensing, disclosure, or refund procedures.

4. PARTY AND AUTHORITY CHECK

Field Lender Borrower
Full legal name [________________________________] [________________________________]
Individual or entity status [________________________________] [________________________________]
Formation or residence jurisdiction [________________________________] [________________________________]
Address [________________________________] [________________________________]
Signer and capacity [________________________________] [________________________________]
Authority and identity evidence [________________________________] [________________________________]
License or exemption [________________________________] [________________________________]
Related party, insider, employer, owner, or family relationship [________________________________] [________________________________]
Bankruptcy, insolvency, guardianship, military, or capacity issue [________________________________] [________________________________]
Counsel or adviser [________________________________] [________________________________]

5. PURPOSE AND USE OF PROCEEDS

Use Amount Payee or destination Evidence Restricted or conditioned?
[________________________________] $[________] [________________________________] [________________________________] [________________________________]
Purpose question Answer
Borrower's own statement of purpose [________________________________]
Lender knowledge of actual use [________________________________]
Direct payment to third party [________________________________]
Refinance or consolidation [________________________________]
Dwelling, land, vehicle, education, medical, business, or investment connection [________________________________]
Prohibited, sanctioned, illegal, gambling, or high-risk use review [________________________________]
Change of purpose after funding [________________________________]

6. PRINCIPAL, DISBURSEMENT, AND CLOSING

Item Proposed term Evidence or calculation Counsel approval
Gross principal $[________] [________________________________] [________________________________]
Amount financed or net proceeds $[________] [________________________________] [________________________________]
Origination, broker, document, or other charge $[________] [________________________________] [________________________________]
Prepaid finance charge $[________] [________________________________] [________________________________]
Third-party payment $[________] [________________________________] [________________________________]
Funding method and account [________________________________] [________________________________] [________________________________]
Funding conditions [________________________________] [________________________________] [________________________________]
Escrow, holdback, or staged disbursement [________________________________] [________________________________] [________________________________]
Closing documents and delivery [________________________________] [________________________________] [________________________________]
Cancellation or rescission before use [________________________________] [________________________________] [________________________________]

Do not transmit full account credentials in this packet.

7. RATE, APR, FINANCE CHARGE, AND FEE WORKSHEET

Term Proposed value Calculation method Legal limit or disclosure Reviewed by
Note or contract rate [________]% [________________________________] [________________________________] [________________________________]
APR [________]% [________________________________] [________________________________] [________________________________]
Finance charge $[________] [________________________________] [________________________________] [________________________________]
Total of payments $[________] [________________________________] [________________________________] [________________________________]
Total sale or acquisition price, if relevant $[________] [________________________________] [________________________________] [________________________________]
Late fee [________________________________] [________________________________] [________________________________] [________________________________]
Returned-payment fee [________________________________] [________________________________] [________________________________] [________________________________]
Default rate [________________________________] [________________________________] [________________________________] [________________________________]
Collection cost or attorney fee [________________________________] [________________________________] [________________________________] [________________________________]
Prepayment charge or rebate [________________________________] [________________________________] [________________________________] [________________________________]

Recalculate after every principal, timing, fee, payment, or insurance change. Do not label a charge excluded from the finance charge without review.

8. PAYMENT SCHEDULE AND APPLICATION

Payment no. Due date Principal Interest or finance charge Other approved charge Total Ending balance
[________] [__/__/____] $[________] $[________] $[________] $[________] $[________]
Payment control Proposed instruction Counsel or servicer review
Due date and business-day treatment [________________________________] [________________________________]
Payment method and address [________________________________] [________________________________]
Automatic debit authorization [________________________________] [________________________________]
Payment application order [________________________________] [________________________________]
Partial, early, excess, or irregular payment [________________________________] [________________________________]
Prepayment and payoff quote [________________________________] [________________________________]
Grace period [________________________________] [________________________________]
Receipt and statement [________________________________] [________________________________]
Dispute, error, and complaint route [________________________________] [________________________________]
Servicer change [________________________________] [________________________________]

9. DISCLOSURE AND DOCUMENT SET

Document Required? Current form or approved version Timing Delivery proof
Credit or cost disclosure [________] [________________________________] [________________________________] [________________________________]
Loan agreement or note [________] [________________________________] [________________________________] [________________________________]
Payment schedule [________] [________________________________] [________________________________] [________________________________]
Security agreement or title document [________] [________________________________] [________________________________] [________________________________]
Guaranty or cosigner notice [________] [________________________________] [________________________________] [________________________________]
Automatic-payment authorization [________] [________________________________] [________________________________] [________________________________]
Privacy or data notice [________] [________________________________] [________________________________] [________________________________]
Insurance or optional-product disclosure [________] [________________________________] [________________________________] [________________________________]
Cancellation or rescission notice [________] [________________________________] [________________________________] [________________________________]
Licensing, broker, language, or accessibility disclosure [________] [________________________________] [________________________________] [________________________________]
Adverse-action or underwriting notice [________] [________________________________] [________________________________] [________________________________]
Other regulator or jurisdiction form [________] [________________________________] [________________________________] [________________________________]

10. UNDERWRITING AND DECISION RECORD

Factor Evidence Decision use Fair-lending review
Identity and capacity [________________________________] [________________________________] [________________________________]
Income and employment [________________________________] [________________________________] [________________________________]
Debts and obligations [________________________________] [________________________________] [________________________________]
Credit history and score [________________________________] [________________________________] [________________________________]
Cash flow and repayment ability [________________________________] [________________________________] [________________________________]
Collateral and guaranty [________________________________] [________________________________] [________________________________]
Purpose and amount [________________________________] [________________________________] [________________________________]
Exceptions or overrides [________________________________] [________________________________] [________________________________]

Record reasons consistently. Do not request or use protected information except through an authorized and necessary process.

11. COLLATERAL AND GUARANTY ROUTE

Item Proposed collateral or support Owner Location Existing lien or restriction Required document or filing
[________________________________] [________________________________] [________________________________] [________________________________] [________________________________] [________________________________]
Security question Counsel conclusion
Collateral legally available and sufficiently described [________________________________]
Spouse, co-owner, homestead, title, landlord, government, or third-party consent [________________________________]
Filing, notation, possession, control, or other perfection step [________________________________]
Insurance and loss-payee treatment [________________________________]
Inspection, use, sale, transfer, and maintenance [________________________________]
Repossession, foreclosure, disposition, redemption, and deficiency route [________________________________]
Guarantor capacity, consideration, notices, defenses, and limits [________________________________]
Release after payoff [________________________________]

A loan agreement alone does not automatically create, perfect, or enforce a security interest or guaranty.

12. COVENANT AND INFORMATION DESIGN

Topic Proposed borrower duty Necessity and legal review
Payment and notices [________________________________] [________________________________]
Use of proceeds [________________________________] [________________________________]
Address, employment, or contact update [________________________________] [________________________________]
Financial information [________________________________] [________________________________]
Collateral maintenance and insurance [________________________________] [________________________________]
Additional debt or transfer [________________________________] [________________________________]
Compliance with law [________________________________] [________________________________]
Tax and recordkeeping [________________________________] [________________________________]
Death, incapacity, divorce, bankruptcy, or hardship notice [________________________________] [________________________________]

Do not impose business-borrower covenants on an individual consumer without transaction-specific justification and review.

13. DELINQUENCY, DEFAULT, AND REMEDY DESIGN

Event or concern Notice Grace or cure Interim response Counsel-approved remedy
Missed payment [________] [________] [________] [________]
Returned or reversed payment [________] [________] [________] [________]
False or incomplete information [________] [________] [________] [________]
Collateral loss, transfer, or impairment [________] [________] [________] [________]
Covenant breach [________] [________] [________] [________]
Bankruptcy, death, incapacity, or divorce [________] [________] [________] [________]
Cross-default or third-party event [________] [________] [________] [________]
Licensing, legal, or servicing issue [________] [________] [________] [________]
Remedy topic Approved treatment
Acceleration [________________________________]
Late fee and default rate [________________________________]
Setoff or account access [________________________________]
Collection communication [________________________________]
Attorney fees and costs [________________________________]
Credit reporting [________________________________]
Collateral enforcement [________________________________]
Guaranty enforcement [________________________________]
Limitation period [________________________________]
Waiver, reinstatement, and modification [________________________________]

Force majeure does not itself excuse money payment. Any hardship, deferment, modification, or forbearance must be separately documented.

14. SERVICING, HARDSHIP, AND PAYOFF

Process Servicer instruction Borrower communication Compliance review
Welcome and payment setup [________________________________] [________________________________] [________________________________]
Statements and receipts [________________________________] [________________________________] [________________________________]
Error, dispute, and complaint [________________________________] [________________________________] [________________________________]
Delinquency outreach [________________________________] [________________________________] [________________________________]
Hardship or accommodation [________________________________] [________________________________] [________________________________]
Modification or forbearance [________________________________] [________________________________] [________________________________]
Payoff request and quote [________________________________] [________________________________] [________________________________]
Final payment and release [________________________________] [________________________________] [________________________________]
Record retention and audit [________________________________] [________________________________] [________________________________]

15. PRIVACY, DATA, AND COMMUNICATION

Topic Approved treatment
Data collected and purpose [________________________________]
Consent and privacy notice [________________________________]
Credit report or verification [________________________________]
Identity and fraud controls [________________________________]
Security and access [________________________________]
Telephone, text, email, portal, and recording [________________________________]
Third-party service providers [________________________________]
Adverse action and disputes [________________________________]
Retention, deletion, correction, and incident response [________________________________]
Marketing and cross-selling [________________________________]

16. TRANSFER AND PARTICIPATION

Topic Proposed term Counsel and servicing review
Lender assignment [________________________________] [________________________________]
Borrower assignment [________________________________] [________________________________]
Participation or syndication [________________________________] [________________________________]
Servicing transfer [________________________________] [________________________________]
Notice and payment destination [________________________________] [________________________________]
Defenses, claims, offsets, and records [________________________________] [________________________________]
Securitization or sale [________________________________] [________________________________]
Successor after death, merger, or dissolution [________________________________] [________________________________]

17. GOVERNING LAW AND DISPUTE DESIGN

Issue Decision and reason Counsel review
Governing law and conflict analysis [________________________________] [________________________________]
Court forum and venue [________________________________] [________________________________]
Arbitration institution, rules, seat, cost, and scope [________________________________] [________________________________]
Class or representative-action treatment [________________________________] [________________________________]
Jury waiver [________________________________] [________________________________]
Small-claims or regulator route [________________________________] [________________________________]
Interim or equitable relief [________________________________] [________________________________]
Attorney fees and costs [________________________________] [________________________________]
Service of process and notices [________________________________] [________________________________]

18. OPERATIVE-DOCUMENT TRANSFER

Document component Counsel-approved language or form
Parties, purpose, principal, and disbursement [________________________________]
Rate, APR, finance charge, and fees [________________________________]
Payment schedule and allocation [________________________________]
Disclosures and notices [________________________________]
Prepayment, payoff, and refunds [________________________________]
Representations and covenants [________________________________]
Collateral and guaranty [________________________________]
Delinquency, default, cure, and remedies [________________________________]
Servicing, privacy, communication, and complaints [________________________________]
Transfer and assignment [________________________________]
Governing law and disputes [________________________________]
Signatures and required formalities [________________________________]

Counsel-approved loan document set and versions: [________________________________]

Approved by qualified lending and consumer counsel: [________________________________]

Approval date: [__/__/____]

19. FINAL REVIEW

☐ Lender, borrower, purpose, product, jurisdiction, licensing, and special-category classification verified.

☐ Principal, amount financed, APR, finance charge, fees, total payments, schedule, and payoff calculations independently checked.

☐ All required disclosures, notices, cooling-off or rescission steps, languages, and delivery proofs are complete.

☐ Underwriting, fair-lending, adverse-action, identity, sanctions, military, capacity, and privacy requirements were reviewed.

☐ Collateral, guaranty, filing, title, insurance, enforcement, and release routes use separate approved documents.

☐ Prepayment, allocation, late charges, default rate, grace, cure, acceleration, collection, credit reporting, and limitations are not assumed.

☐ Servicing, hardship, modification, complaints, payoff, transfer, data, communication, and retention processes are operationally complete.

☐ Arbitration, class, jury, forum, fees, notices, electronic execution, and notarization were deliberately reviewed.

☐ Tax, gift, imputed-interest, reporting, withholding, and forgiveness effects were reviewed.

☐ The outgoing documents are the counsel-approved operative loan set, not this packet.

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About this template

Last updated
September 3, 2026
Citations checked
September 3, 2026
Jurisdiction
California
Category
Financial & Banking

Financial and banking documents govern loans, security interests, account agreements, and commercial transactions between lenders, borrowers, and financial institutions. Promissory notes, guaranties, security agreements, and UCC filings have precise legal requirements, and mistakes can leave a lender unsecured or a borrower on the hook for more than they agreed to. Well-drafted finance paperwork protects both sides and keeps the deal enforceable if something goes wrong later.

Not legal advice

This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.

Checked against the law it cites

A reviewer verified this template's legal citations against the official source on September 3, 2026.

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