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Promissory note in English – Simple personal loan | Word/PDF + guides

Promissory note in English – Simple personal loan | Word/PDF + guides

File format
DOCX, PDF
Document language
English original files; English + Swedish in separate 2027-ZIP not connected
Number of files
1

Digital download. No physical product is shipped.

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About this template

Promissory Note in English under Swedish Law – Simple Promissory Note. An editable template for a genuine private loan between two adults in Sweden. The main English version is supplemented by a Swedish reference version, receipts, and completion guides in the separately developed 2027 edition. Not intended for commercial lending, secured loans, or international arrangements.

What is included in the package

Current automatic delivery: The 2027 ZIP package skuldebrev-engelska-privatlan-2027.zip is attached to this variant in Shopify Digital Products.

Separately developed 2027 edition: 28 files – 14 DOCX and 14 PDF in a new ZIP. Seven document types in English main versions and Swedish reference versions:

  • Simple Promissory Note
  • Repayment Schedule
  • Disbursement Acknowledgement
  • Payment Acknowledgement
  • Loan Amendment
  • Balance Reconciliation
  • User Guide

Digital delivery: The 2027 ZIP is already linked for download after purchase.

What the files contain

The main Promissory Note: parties, actual disbursed capital, identified lender, choice between lump-sum repayment and attached repayment schedule, standard annual simple interest (also interest-free), maturity date, applicable default interest, documentation, applicable Swedish law, and signatures.

Repayment Schedule: separate dates and amounts for principal and interest. Disbursement Acknowledgement: verified transferred amount and bank reference. Payment Acknowledgement: partial payment, settlement, remaining principal, or final debt discharge. Loan Amendment: documented change to a named contractual term. Balance Reconciliation: account review and proof of payment. The Guides: clear steps, calculation examples, limitation risks, interest, tax deductions, and when individual advice is needed.

Limitation: the documents do not automatically calculate debt or interest and do not certify actual disbursement. The planned separate Excel workbook is not included, as export and functional testing could not yet be completed.

When is a simple promissory note in English appropriate?

When the lender and borrower are adult private individuals, both operating in Sweden and wanting to document an unsecured loan in Swedish kronor in English. A simple promissory note according to Section 26 of the Promissory Notes Act is payable to a specific lender. It is not a bearer or order instrument.

Important rules for private loans 2026/2027

Interest: explicitly agree on the interest rate, start date, payment terms, and method. The Interest Act (1975:635) regulates, among other things, default interest. Its Section 6 specifies, in the typical case, the reference rate plus eight percentage points; Section 7 may involve a continued agreed interest rate at a statutory minimum level in certain situations. Interest may not be compounded on the same principal and period.

Tax: as of the 2026 income year, interest on loans without acceptable collateral is, as a general rule, not tax-deductible for the borrower, even for standard loans from private individuals. The lender may still need to report the interest as taxable capital income. The document template does not determine individual tax treatment.

Limitation: claims between private individuals generally become statute-barred after ten years if the limitation is not interrupted. Written demands received by the debtor, acknowledgments, partial payments, and certain legal actions can affect the period. Assess the specific situation.

Forthcoming legislation: the Consumer Credit Act (2026:1011) enters into force on November 20, 2026. It primarily concerns consumer credit from business operators and does not automatically turn a genuine private loan between two individuals into a business loan. This product should not be used for commercial lending.

How to use the documents

  1. Verify the identity of the lender and borrower, as well as whether money has actually been disbursed.
  2. Fill in the capital amount in figures and words, select a repayment option, and enter dates.
  3. Set the annual interest to 0% if the loan is to be interest-free. Specify separately agreed interest commencement and payment terms.
  4. Sign the main agreement and any repayment schedule. Never issue a disbursement acknowledgement before the money has actually been received.
  5. Use receipts and reconciliation for partial payments and final payment. Archive the documents securely.

Related templates and categories

For agreements in Swedish, see simple promissory note with Swedish main version. Other promissory notes can be found in the promissory note templates category. In the case of different cash contributions in a cohabitation relationship, a cohabitation agreement and promissory note may be relevant – this requires separate assessment.

Frequently asked questions

Is an English-language promissory note valid under Swedish law?

It can be, provided that the parties have agreed on Swedish law and the document otherwise corresponds to their actual legal relationship. The English language does not make it a British or American promissory note.

Can I use the template for an interest-free loan?

Yes, select 0 percent as the regular annual interest. Any default interest may still apply in the event of late payment according to the terms and applicable law.

Is it possible to acknowledge a partial payment?

Yes. The 2027 ZIP is attached; see the product description for the included documents.

Does the interest entitle to a deduction in the tax return?

From the 2026 income year, normally not for loans without acceptable collateral. Check for exceptions and your own tax situation with the Swedish Tax Agency (Skatteverket).

Are Excel or all 28 new files included in the automated delivery now?

The 2027 ZIP is attached. The package is described as Word/PDF documents without an Excel workbook.

Official legal sources and limitations

The Promissory Notes Act (Skuldebrevslagen), the Interest Act (Räntelagen), the Limitation Act (Preskriptionslagen), the Swedish Tax Agency on interest deductions, and the Consumer Credit Act 2026:1011 (future entry into force). Reviewed October 14, 2026. This is not individual legal advice or a product allegedly reviewed by an external attorney.

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S
Sindre Nilsson
Genomtänkt upplägg

För min del var det värdefullt att kunna se upplägget för Skuldebrev på engelska – Enkelt privatlån samlat. Det här blev framför allt ett sätt att få bättre överblick. Den engelska versionen gjorde det lättare att dela underlaget med fler. Det hjälpte mig särskilt att få ordning på vårt eget material. Resultatet blev precis den start jag behövde.

J
Julia-Maria Lind
En bra mall att utgå från

När jag började med Skuldebrev på engelska – Enkelt privatlån var det en fördel att redan ha ett förslag till struktur. Efter en genomläsning kunde vi göra de ändringar som behövdes. Guiden gav ett användbart sammanhang till själva mallen. Det hjälpte mig särskilt att få ordning på vårt eget material. Bra underlag att ha till hands om frågan kommer upp igen.

L
Louise-Marie Jonsson
Kunde komma vidare direkt

Jag köpte mallen för Skuldebrev på engelska – Enkelt privatlån för att få ordning på ett ganska rörigt underlag. Helheten kändes saklig och ganska lätt att arbeta med. PDF-versionen var praktisk att ha bredvid under arbetet. Det hjälpte mig särskilt att få ordning på vårt eget material. Jag är nöjd med hur smidigt det gick att komma vidare.

J
Jonas-Petter Nordström
Mostly straightforward

Useful foundation for "Skuldebrev på engelska – Enkelt privatlån" without too much unnecessary wording. It was easy to spot what we still needed to add. Some editing was needed, but the structure was solid.

T
Thomasina Bergström
Genomtänkt upplägg

Vi behövde ta fram ett underlag för Skuldebrev på engelska – Enkelt privatlån, och det sparade en hel del förarbete. Helheten kändes saklig och ganska lätt att arbeta med. Den engelska versionen gjorde det lättare att dela underlaget med fler. Det hjälpte mig särskilt att få ordning på vårt eget material. Resultatet blev precis den start jag behövde.

M
Maren Hellström
Nöjd med upplägget

För min del var det värdefullt att kunna se upplägget för Skuldebrev på engelska – Enkelt privatlån samlat. Jag uppskattade att materialet inte gjorde allt mer komplicerat än nödvändigt. Inte helt färdigt för vår situation, men stommen var bra.

F
Felix Pettersson
Saved me some drafting time

I used the template for "Skuldebrev på engelska – Enkelt privatlån" as a starting point rather than writing everything from scratch. The document gave us a more consistent basis for discussion. A practical resource that I would use again.

J
Jussi Bergqvist
Solid foundation

I used the template for "Skuldebrev på engelska – Enkelt privatlån" as a starting point rather than writing everything from scratch. A quick read-through was still necessary, as expected. Some editing was needed, but the structure was solid.

M
Mikkel Forsberg
Plantilla muy útil

Utilicé la plantilla «Skuldebrev på engelska – Enkelt privatlån» para preparar un primer borrador. Los apartados están organizados de forma sencilla. Me resultó una ayuda muy práctica.

K
Kaisa Sundström
Selkeä ja toimiva

Käytin mallia ”Skuldebrev på engelska – Enkelt privatlån” ensimmäisen version laatimiseen. Jouduin täydentämään joitakin kohtia itse. Olen kokonaisuuteen tyytyväinen.

M
Marie Strand
Genomtänkt upplägg

Den här mallen för Skuldebrev på engelska – Enkelt privatlån gav mig en bra känsla för hur dokumentet kunde byggas upp. För mig var det mest värdefullt att slippa fundera på ordningen mellan avsnitten. Den engelska versionen gjorde det lättare att dela underlaget med fler. Resultatet blev precis den start jag behövde.

C
Clara Lindqvist
Kunde komma vidare direkt

Den här mallen för Skuldebrev på engelska – Enkelt privatlån gav mig en bra känsla för hur dokumentet kunde byggas upp. Jag delade dokumentet med en kollega och vi kunde snabbt enas om nästa steg. Jag är nöjd med hur smidigt det gick att komma vidare.

A
Aino Westberg
Nöjd med upplägget

Ett användbart underlag för Skuldebrev på engelska – Enkelt privatlån, särskilt när man behöver komma igång utan lång förberedelse. Helheten kändes saklig och ganska lätt att arbeta med. Den engelska versionen gjorde det lättare att dela underlaget med fler. Bra hjälp på vägen, med utrymme för egna kompletteringar.

M
Mikko Lundberg
Behövde mer vägledning

Arbetet med Skuldebrev på engelska – Enkelt privatlån gick betydligt smidigare när rubrikerna redan fanns på plats. Det gav en tydligare bild av vad som behövde kontrolleras innan vi var klara. Guiden gav ett användbart sammanhang till själva mallen. Jag saknade några exempel för just min situation, så det blev en del eget arbete.