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Oklahoma Promissory Note Templates

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The Oklahoma promissory note templates are signed documents stating the borrower of a monetary balance will reimburse the lender of said balance in a scheduled time frame. The amount of interest the borrower will be required to pay will be based upon the Usury Rate chosen for the agreement. Check with Oklahoma’s laws regarding legal interest rates found at the bottom of this page.


Secured Promissory Note – Sets aside a physical item such as a home, vehicle, or boat that is given to the lender if the borrower enters into default and cannot recover. The item in security should be in similar value to that of the balance to minimize loss to the lender.

Unsecured Promissory Note – Does not include a section on security. This results in the lender being far more vulnerable, as he or she has the possibility of losing the loaned balance. The lender should take the time to screen potential borrowers to ensure they have a strong credit history.

Usury Rate

The legal rate of interest in Oklahoma is 6% unless otherwise agreed to in writing. The maximum amount of interest chargeable in Oklahoma is 10%. OK ST T. 14A § 3-201 and OK ST T. 15 § 266

How to Write

Step 1 – Download an Oklahoma note form – Submit the following:

  • A start date of the note agreement in mm/dd/yyyy format
  • The Borrower’s name
  • Borrower’s mailing address
  • AND
  • The Lender’s name
  • Their mailing address
  • AND
  • Submit the note’s sum of the principal
  • Enter the amount that remains of the annual percentage rate (APR)

Step 2 – Payments –

  • Provide the current sum of the note, that shall become payable by the stated due date
  • Include interest that has been accrued and late fees

Installments – Check the agreed payment method

  • Submit the total sum of the note agreement
  • Provide the principal sum of the note
  • Select payment frequency and check the preceding box
  • Provide the amount due with payment required for late payments

Step 3 – Security –

  • Check the box indicating the type of selected note
  • If the note will be“secured,” provide a description of the property

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 – The Co-signer’s name
  • Execution
  • Governing Law – (Oklahoma State Laws)

Step 5 – Signatures –

  • Lender’s signature
  • Signature dated – mm/dd/yyyy
  • Print lender’s name
  • AND
  • Provide the borrower’s signature
  • Signature dated in mm/dd/yyyy format
  • Printed name
  • AND
  • Co -Signer’s signature (if required)
  • Signature dated in mm/dd/yyyy format
  • Print Co – signer’s name
  • AND
  • Signature of Witness – in mm/dd/yyyy format
  • Printed name

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