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Simple Unsecured Loan Agreement

Simple Unsecured Loan Agreement Template for Ireland

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Key Requirements PROMPT example:

Simple Unsecured Loan Agreement

"I need a Simple Unsecured Loan Agreement for a €50,000 personal loan from my uncle to purchase a food truck, with monthly repayments over 3 years starting March 2025, including an early repayment option."

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Document background
The Simple Unsecured Loan Agreement is designed for use in Ireland when parties wish to document a lending arrangement without security or collateral. It is commonly used for personal loans, business loans, or inter-company financing where the lender relies solely on the borrower's creditworthiness and promise to repay. The document incorporates requirements under Irish consumer credit legislation and banking regulations, including the Consumer Credit Act 1995 and relevant EU regulations. It contains essential provisions covering loan amount, interest, repayment terms, events of default, and enforcement mechanisms, while remaining straightforward enough for use in routine lending transactions. This template is particularly suitable for smaller loan amounts where the cost and complexity of secured lending would be disproportionate to the transaction value.
Suggested Sections

1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses

2. Background: Brief context of the loan arrangement and purpose

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the principal amount being lent and its intended use

5. Interest Rate and Calculations: Details the applicable interest rate and how it is calculated

6. Repayment Terms: Specifies the repayment schedule, payment amounts, and payment methods

7. Representations and Warranties: Standard declarations by the Borrower about their capacity and ability to repay

8. Events of Default: Defines circumstances constituting default and consequences

9. Notices: How formal communications between parties should be made

10. Governing Law and Jurisdiction: Confirms Irish law governs the agreement and Irish courts have jurisdiction

Optional Sections

1. Early Repayment: Terms for early loan repayment - required if early repayment is permitted

2. Security: Although primarily unsecured, may include negative pledge or other basic protections

3. Assignment: Rights to assign or transfer the loan - include if transfers are anticipated

4. Costs and Expenses: Allocation of legal and administrative costs - include for larger loans

5. Data Protection: GDPR compliance provisions - required if personal data processing is extensive

6. Joint and Several Liability: Include when there are multiple borrowers

7. Change of Circumstances: Provisions for handling changes in law or circumstances affecting the loan

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed breakdown of payment dates and amounts

2. Schedule 2 - Notice Details: Contact information and addresses for formal notices

3. Schedule 3 - Conditions Precedent: List of any documents or conditions required before loan drawdown

4. Appendix A - Form of Drawdown Notice: Standard form for requesting loan disbursement if not immediate

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
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Relevant Industries

Financial Services

Banking

Private Lending

Small Business

Retail

Professional Services

Real Estate

Technology

Manufacturing

Healthcare

Education

Relevant Teams

Legal

Finance

Credit

Compliance

Risk Management

Treasury

Commercial

Business Development

Operations

Corporate Services

Relevant Roles

Legal Counsel

Finance Manager

Credit Officer

Loan Officer

Commercial Director

Chief Financial Officer

Risk Manager

Compliance Officer

Business Development Manager

Account Manager

Treasury Manager

Contract Administrator

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Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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