Car Loan Agreement & Return Protocol – Individuals | Word/PDF/Excel

Car loan agreement – private individuals is a complete template package for when someone lends their personal car free of charge for an agreed period. With a written agreement and accompanying records, the lender and borrower can document who is allowed to drive, the period of use, mileage, accessories, condition, insurance checks, costs, and return. Editable Word templates, searchable PDF files, and Excel registers.

Note: The template is not a car rental agreement or contract of sale. It does not guarantee that the driver is authorized, that the car is allowed to be driven, or that any specific damage will be covered. The actual status of the car and the driver, as well as the insurance terms, must be checked separately. Terms agreed between the private individuals cannot override the insurance company's terms of coverage.

Documents in the package

Excel register with nine tabs

Start, Loans, Checks, Condition, Costs, Incidents, Return, Overview, and Las_mig. Excel can calculate the mileage from the odometer readings when both are valid numbers and the final number is not lower than the starting number. The overview summarizes registered agreements and manually selected statuses for loans, checks, costs, and incidents. The workbook contains no macros and does not retrieve external data.

Limitation: If someone marks that an insurance policy has been checked in Excel, it is only a manual note, not confirmation from the insurance company. Similarly, Excel does not determine who is legally responsible for damage.

How to use the car loan agreement

1. Check the car and the driver: verify the right to grant permission, actual driving license eligibility, traffic insurance, and that the car is allowed to be driven.
2. Ask the insurance company: check what terms apply to the borrower in question, the loan period, any additional drivers, the deductible, and damage to the car itself.
3. Agree on the terms: fill in the scope, start and end, any limitations, fuel, charging, and fee reconciliation.
4. Document the handover: fill in existing damage, odometer reading, keys, and other items. Save dated attachments.
5. Return and follow up: fill in the return and a separate report if anything has occurred. Note any disagreement objectively and seek legal or insurance advice if necessary.

Insurance and legal requirements

The Swedish Transport Agency explains that a vehicle in traffic must have traffic insurance and that the owner is normally responsible for this. Traffic insurance should not be confused with insurance coverage for damage to the owner's own car. Konsumenternas Försäkringsbyrå recommends that terms, exclusions, deductibles, and validity for loans be checked individually. See also Trafikförsäkringsföreningen regarding insurance liability.

Liability issues depend on the circumstances and applicable law. Chapter 2, Section 1 of the Tort Liability Act (1972:207) deals, among other things, with property damage caused by intent or negligence. Special contractual arrangements and insurance issues may require further assessment. Avoid automatically stating that the borrower should always fully compensate for every piece of damage.

Related templates

For a short test drive before buying a car: Test Drive Agreement & Condition Report. For rental for a fee: Car Rental Agreement. If someone is to act on the owner's behalf: Power of Attorney for Cars and Vehicles.

Frequently asked questions

Does a private car loan need a written agreement?

There is no general requirement for this specific form for a standard free loan. A written record can still reduce uncertainty about the period, driver, return, and costs.

Does the owner's car insurance apply if someone else borrows the car?

For an occasional temporary loan, the standard insurance often applies, but terms, driving restrictions, and deductibles vary. Check the actual coverage with the insurer before handing over the car.

Who pays the deductible if the borrower causes damage?

It may depend on the insurance terms, the circumstances, the parties' valid agreement, and any statutory allocation of liability. Clearly state what has been agreed; the template does not grant an automatic right to compensation.

Is this the same as car rental?

No. This package applies to free loans between private individuals. Use a separate rental agreement and check specific insurance terms when renting for a fee.

Are the PDF files fillable?

The PDF files are searchable printable versions. Use the Word files for digital editing.

Is the agreement available in English?

The five operational working templates are in Swedish. A separate English User Guide explains their use in English.

Have the agreements been reviewed by a lawyer or insurance expert?

No. An internal AI-assisted source and functionality review has been conducted; no external lawyer or insurance expert has reviewed the templates.

Version 1.0 · 24 October 2026. Supplier: Svenska Dokumentmallar / Mallbutiken.se. No government approval or external legal quality stamp is claimed.