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Wisconsin Promissory Note Templates

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The Wisconsin promissory note templates are used for transactions where a monetary balance is loaned from party to another. The templates help to ensure both parties are clear on how the balance will be paid back as well as the consequences the borrower will have to face for being late/missing a payment.


Secured Promissory Note – Provides the lender with a layer of security that goes into effect if the borrower defaults on the loaned balance. Security consists of an item that the borrower owns (such as a home, vehicle, or boat) that is given to the lender to help cover the remaining unpaid balance.

Unsecured Promissory Note – Does not include security, resulting in an increase in the amount of risk the lender is faced with. Lenders should take extra time to screen potential borrowers to help ensure they will be responsible and worthy borrowers to minimize the chance of a default.

Usury Rate

The legal rate of interest in Wisconsin is 5% per year when there is no written agreement between the parties. The maximum amount of interest allowed with a written agreement with some exceptions is 12% per year. WI ST 138.05

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