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Idaho Promissory Note Templates

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The Idaho promissory note templates are documents used for transactions involving loans between two parties. The documents require both the lender and borrower to agree on payment types, late fees, security, and other areas of the agreement.


Secured Promissory Note – This version of the agreement includes security for the lender. Security helps reimburse the lender in the case of a default on the balance. Both the lender and the borrower will agree on items to be used for security before the signing of the agreement.

Unsecured Promissory Note – There is no security included in this version, which adds greater risk to the transaction for the lender. To help combat this, the lender should ensure the borrower is a trust worthy individual.

Usury Rate

The legal rate of interest in Idaho is 12% per year when the interest rate is not specified in writing.

How to Write

Step 1 – Download the Idaho Promissory Note Form – Enter:

  • The start date of the document – dd/m/yy
  • Name of the borrower
  • Mailing address
  • AND
  • Name of the lender
  • Lender’s mailing address
  • AND
  • Enter the principal sum of the note
  • Enter the amount of the unpaid annual percentage rate

Step 2 – Payments –

  • Submit a due date for the full balance of the note (including late fees)

Installments –

  • Check the box that would reflect a method of payment – Submit the total amount of the note that must be paid by the due date
  • In the event the borrower will pay in installments, check the “installments” box and submit the principal amount that is required to be paid by the due date
  • Check the box reflecting payment frequency
  • Submit an amount of required fees for late payments

Step 3 –  Security –

  • If this note will be unsecured, check the applicable box
  • If the note shall be “secured,” enter the property information to be held until the payment process is complete

Step 4 – Titled Sections and Subsections –

  • Interest due in the Event of Default
  • Allocation of Payments
  • Prepayment
  • Acceleration (and 6A. – Security)
  • Attorney’s Fees and Costs
  • Waiver of Presentments
  • Non-Waiver
  • Severability
  • Integration
  • Conflicting Terms
  • Notice
  • Co-Signer – Check the box that applies  – if there will be a co-signer submit their name
  • Execution
  • Governing Law – (Idaho)

Step 5 – Signatures – Submit before a witness – Submit the following information:

  • Lender’s signature
  • Date the form in mm/dd/yyyy format
  • Print the lender’s name
  • AND
  • Borrower’s signature
  • Date of signature – (mm/dd/yyyy)
  • Print the borrower’s name
  • AND
  • If there will be a co-signer required, provide their name
  • Date of co-signer’s signature (mm/dd/yyyy )
  • Printed name
  • AND
  • Witness’ signature
  • Date of the signature (mm/dd/yyyy)
  • Printed name

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