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Loan Agreement · India

Create Your Loan Agreement Online

Personal, friendly & business loan contracts with repayment terms — digitally signed with Aadhaar eSign

Lending or borrowing money? WeSignDeal helps individuals, families, and businesses create, customise, digitally sign, and securely store Loan Agreements online — with clear loan amount, interest, repayment schedule, and optional collateral or guarantor terms.

Individuals Friends & family Lenders Borrowers Startups MSMEs Business owners Financial advisors
Create Loan Agreement Generate Loan Contract See How It Works
  • Lender & borrower support
  • Repayment schedule builder
  • Co-borrower & guarantor options
  • Aadhaar eSign for all parties
  • Complete audit trail

Why WeSignDeal

Why Lenders and Borrowers Choose WeSignDeal

Handwritten IOUs and informal WhatsApp promises create confusion when repayment dates or interest terms are disputed. WeSignDeal replaces that with one structured digital workflow for documented loan agreements.

Professionally drafted templates

Structured loan agreement format covering lender, borrower, amount, interest, repayment, and default terms.

Digital workflow

Move from party details to signed loan contract without printing or couriers.

Aadhaar eSign

Lender, borrower, and other parties complete UIDAI-validated eSign remotely through secure links.

Secure document management

Store drafts, verification records, and executed loan PDFs in your account.

Clear repayment terms

Capture loan amount, tenure, instalment frequency, and due dates in the agreement.

Interest & repayment flexibility

Configure fixed or variable interest and repayment schedules that match your arrangement.

Optional collateral documentation

Record secured loan collateral details and supporting document references where applicable.

eStamp support

Coordinate stamp duty and eStamp procurement within the workflow where configured.

Complete audit trail

Timeline and activity logs show who verified, paid, and signed — and when.

Multiple signer support

Add co-borrowers, guarantors, and witnesses — each with independent signing steps.

Process

Loan Agreement Workflow

From first draft to signed loan contract PDF — every step guided inside WeSignDeal.

Step 1

Create agreement

Start a Loan Agreement and select the loan type that fits your arrangement.

Step 2

Add lender

Enter the lender's details — individual or company — with contact and identification information.

Step 3

Add borrower

Add the primary borrower with contact, identification, and role details.

Step 4

Add co-borrower / guarantor (optional)

Include co-borrowers or guarantors where the loan arrangement requires additional parties.

Step 5

Enter loan details

Record loan amount, purpose, disbursement date, and loan type.

Step 6

Configure repayment terms

Set interest rate, repayment frequency, instalment amount, and schedule.

Step 7

Upload documents

Parties upload identity and supporting documents as required for verification.

Step 8

Review draft

Preview the loan agreement PDF and confirm all terms before payment and execution.

Step 9

Payment

Pay platform fees securely online where applicable.

Step 10

eStamp

WeSignDeal procures and merges government eStamp when enabled for your jurisdiction.

Step 11

Aadhaar eSign

Each party completes Aadhaar OTP eSign via individual secure email links.

Step 12

Download signed agreement

Download and share the executed Loan Agreement PDF.

Generate Loan Contract

Features

Everything You Need for Digital Loan Agreements

Purpose-built tools for online Loan Agreements — from repayment schedules and interest to collateral and Aadhaar eSign.

Individual & company support

Lenders and borrowers can be individuals or registered companies.

Matches personal and business lending scenarios.

Multiple borrowers

Add co-borrowers who share repayment responsibility on one agreement.

Documents joint borrowing clearly.

Multiple guarantors

Include guarantors who undertake to fulfil obligations if the borrower defaults.

Adds security for lenders where agreed.

Loan amount configuration

Record the principal loan amount and currency in the agreement.

No ambiguity about how much was lent.

Repayment schedule

Configure instalment frequency, tenure, and due dates.

Both parties share the same written repayment plan.

Interest rate options

Set fixed or variable interest terms as agreed between the parties.

Interest obligations documented upfront.

Collateral details

Record secured loan collateral type and description where applicable.

Supports secured lending arrangements in writing.

Aadhaar eSign

Legally recognised electronic signing through UIDAI Aadhaar OTP validation.

Parties sign remotely without repeated meetings.

Digital signature capture

Identity verification steps before final Aadhaar eSign where required.

Links the signed contract to verified individuals.

eStamp workflow

Integrated stamp duty payment and eStamp merging for supported states where applicable.

Keeps compliance inside the same platform workflow.

Secure loan PDF

Final PDF includes parties, loan terms, repayment schedule, and signing audit summary.

One authoritative document for personal and business records.

Cloud storage

Access loan agreements and verification history from your account.

No lost paper copies or scattered messages.

GPS verification

Location data recorded when the signer grants browser permission.

Optional geographic context for signing events.

IP address logging

Signing events record IP and device information.

Adds traceability for dispute review.

Individual signing links

Each party receives a dedicated secure URL for review and eSign.

Lender and borrower sign on their own schedule.

Activity timeline

Chronological view of drafting, verification, payment, eStamp, and signatures.

See agreement status at a glance.

Audit trail

Detailed logs for loan agreement lifecycle events.

Supports financial record keeping and dispute prevention.

Additional terms editor

Add custom clauses for default, prepayment, penalties, and special conditions.

Tailor the contract to your specific lending arrangement.

Loan types

Types of Loan Agreements Supported

WeSignDeal supports a wide range of personal and business lending arrangements — from friendly family loans to secured business lending.

Personal loan

Individual lending for personal expenses, emergencies, or planned purchases.

Friendly loan

Informal lending between friends documented with clear repayment terms.

Family loan

Loans between family members with written amount, interest, and schedule.

Business loan

Company or proprietor lending for business operations and growth.

Working capital loan

Short-term funding for inventory, payroll, or operational needs.

Education loan

Loans for tuition, courses, or educational expenses.

Vehicle loan

Financing for car, bike, or commercial vehicle purchase.

Home loan

Property-related lending with optional collateral documentation.

Short-term loan

Quick-duration loans with defined repayment windows.

Interest-free loan

Loans with zero interest — terms still documented in writing.

Secured loan

Loans backed by collateral such as property or assets.

Unsecured loan

Loans without collateral, supported by guarantors or credit trust.

Who can use this

Built for Lenders, Borrowers, and Financial Advisors

Individuals

  • Document personal lending clearly
  • Set repayment dates and interest in writing
  • Remote eSign when parties are in different cities

Friends & family

  • Replace informal promises with a signed agreement
  • Reduce misunderstandings over repayment
  • Maintain relationships with clear terms

Lenders

  • Professional loan contract for borrowers to review
  • Track signing and verification status
  • Secure PDF for your lending records

Borrowers

  • Review all terms before Aadhaar eSign
  • Written record of amount, interest, and schedule
  • Download executed PDF after signing

Business owners

  • Business loan agreements for vendors or partners
  • Company lender or borrower support
  • Audit trail for finance teams

Startups

  • Document founder or investor-friendly loans
  • Structured terms for early-stage lending
  • Paperless execution

MSMEs

  • Working capital and short-term loan documentation
  • Multiple co-borrower or guarantor support
  • Cloud storage for compliance files

Companies

  • Corporate lender or borrower workflows
  • Board-approved lending arrangements in writing
  • Verification and signing audit data

Financial advisors

  • Help clients formalise lending arrangements
  • Structured data before final review
  • Professional documentation output

Chartered Accountants

  • Support clients with documented loan terms
  • Clear principal, interest, and schedule in PDF
  • Verification records for file audit

Legal professionals

  • Structured capture of loan terms
  • Less chasing for physical signatures
  • Clear handover of final signed contract

Consultants

  • Loan agreements for client business arrangements
  • Remote multi-party signing
  • Secure long-term storage

What's included

What Does the Loan Agreement Include?

Structured loan contract documentation with party details, financial terms, verification, and digital execution.

  • Lender name and details (individual or company)
  • Borrower name and details
  • Co-borrower details (where applicable)
  • Guarantor details (where applicable)
  • Loan amount and purpose
  • Interest rate and interest type
  • Repayment schedule and instalment details
  • Loan tenure and disbursement date
  • Collateral details (if applicable)
  • Default and recovery terms
  • Prepayment and penalty clauses (where configured)
  • Additional custom terms
  • Digital signature and Aadhaar eSign blocks
  • Verification summary with IP and timestamp data

Why digital

Why Digital Loan Agreements?

Move beyond handwritten IOUs and informal arrangements with a workflow designed for clarity, security, and remote signing.

Clearly documented loan terms

Amount, interest, and repayment schedule written in one agreement both parties sign.

Reduced misunderstandings

Verbal promises become a shared reference when questions arise later.

Remote signing

Lender and borrower in different cities complete verification and Aadhaar eSign online.

Secure cloud storage

Both parties and advisors access the same signed PDF from the cloud.

Easy retrieval

Find the loan agreement by reference instead of searching messages or files.

Professional documentation

Structured loan contract suitable for personal records, CA review, or business files.

Better financial record keeping

Written lending history supports tax, audit, and personal finance tracking.

Paperless workflow

Replace print-sign-scan cycles with one online loan agreement workflow.

Faster agreement execution

Complete loan formalities in days instead of weeks of paperwork coordination.

Comparison

Traditional Loan Agreement vs WeSignDeal

Traditional process

  • Handwritten IOU or informal note
  • Verbal agreements over calls or messages
  • Printing copies for lender and borrower
  • Physical meetings for signatures
  • Courier between parties in different cities
  • Difficulty coordinating guarantors or co-borrowers
  • Paper files prone to loss or damage
  • Slow revisions when terms change
  • No unified activity timeline
  • Unclear tracking of who has signed

WeSignDeal

  • Structured online loan agreement workflow
  • Remote Aadhaar eSign for each party
  • Repayment schedule and interest captured digitally
  • Co-borrower and guarantor support
  • Secure cloud storage and instant PDF download
  • Activity timeline and audit logs
  • Guided edits while agreement is in draft
  • eStamp workflow where applicable
  • Individual signing links and email notifications
  • Mobile-friendly review and eSign

Security

Security & Trust for Loan Agreements

Loan agreements contain personal identity data and financial terms. WeSignDeal applies platform security controls and transparent signing records.

Aadhaar eSign

UIDAI OTP validation through the configured eSign gateway for each party.

Digital signatures

Identity verification steps before final Aadhaar eSign where required.

IP logging

Signing events capture IP address and browser information.

GPS capture

Location data recorded when the signer grants browser permission.

Activity history

Timeline of drafting, verification, payment, eStamp, and signature completion.

Secure cloud storage

Loan agreements stored in your account instead of unsecured channels.

Individual signing links

Each party receives a unique secure URL for review and eSign.

Trust

Trusted for Personal and Business Lending Documentation

From friendly loans between family members to structured business lending, digital loan agreements reduce friction and improve record quality. WeSignDeal is built for that need.

Lender & borrower workflows Repayment schedule builder Guarantor support Mobile-friendly eSign Transparent step-by-step process

WeSignDeal is a technology platform for creating and executing agreements digitally. It is not a bank, NBFC, or money lender and does not provide loans or legal advice. Money lending is regulated under applicable state and central laws — consult a qualified CA or legal professional to ensure your arrangement complies with local requirements.

FAQ

Loan Agreement — Frequently Asked Questions

Common questions about loan contracts, repayment, interest, collateral, guarantors, Aadhaar eSign, remote signing, and downloads.

A Loan Agreement is a written contract between a lender and a borrower that records the loan amount, purpose, interest (if any), repayment schedule, and other terms governing the lending arrangement. It creates a clear record both parties can refer to throughout the loan period.
Yes. WeSignDeal lets you create a Loan Agreement online, add lender and borrower details, configure loan amount and repayment terms, add co-borrowers or guarantors if needed, verify parties, pay applicable fees, and execute the contract using Aadhaar eSign.
A personal loan agreement documents lending between individuals for personal use — such as medical expenses, education, or home improvements. WeSignDeal supports personal and friendly loan types with configurable interest and repayment schedules.
A business loan agreement records lending to or from a business entity for operational or growth purposes. The workflow supports individual and company lenders and borrowers with business-appropriate loan types such as working capital loans.
A friendly loan agreement formalises lending between friends or acquaintances with clear written terms. Documenting amount, interest, and repayment dates helps preserve relationships by reducing ambiguity — even when the loan is informal in nature.
You enter the agreed interest rate and interest type (such as fixed or variable) in the loan details form. The generated agreement PDF reflects these terms for both parties to review before signing.
The workflow captures loan tenure, repayment frequency (such as monthly or quarterly), instalment amount, and key dates. These appear in the draft loan agreement PDF so lender and borrower share the same written schedule.
Yes. You can add guarantors who agree to fulfil the borrower's obligations if they default. Each guarantor has independent verification and Aadhaar eSign steps where required.
Yes. Co-borrowers can be added to share repayment responsibility. Each co-borrower completes their own verification and signing steps on the platform.
For secured loans, you can record collateral type and description in the agreement. Supporting documents such as property papers or vehicle RC may be uploaded during verification where applicable.
After the draft is approved and pre-sign checks pass, each party receives an email with a secure link. They authenticate via Aadhaar OTP through the eSign gateway. The platform records timestamp, IP, and device data where applicable.
Stamp duty requirements depend on state law, loan amount, and document type. Where eStamp is enabled on WeSignDeal, you can pay online and the platform coordinates procurement and merging before final signing. Consult a CA or lawyer for your state's requirements.
Yes. Verification and Aadhaar eSign happen online through individual links, so parties do not need to meet physically solely for signatures.
You can edit while the agreement remains in draft or editable status. Changes after verification may require parties to re-confirm details to maintain document integrity.
Document requirements are shown in the workflow and typically include live selfie and identity documents such as Aadhaar and PAN. Optional proofs may include bank statements, salary slips, property documents, or business registration depending on the loan type.
Once all required parties complete Aadhaar eSign, the agreement is marked completed. You can download the final Loan Agreement PDF from your account and receive it by email.
Yes. The workflow is mobile-friendly. Parties can upload documents and complete Aadhaar eSign from a smartphone browser in most cases.
Yes. Family loans are commonly documented to record amount, interest (if any), and repayment dates between relatives. The digital workflow helps when family members are in different locations.
No. WeSignDeal is a document and eSign platform only. It does not lend money, act as an NBFC, or facilitate fund transfer. Disbursement of loan amount happens directly between lender and borrower outside the platform.
The platform records verification uploads, payment events, signing timestamps, IP address, browser and device information, and GPS location when permission is granted.
Yes. Key workflow events trigger email notifications — such as when the agreement is ready for review or when a party completes signing.
A Word template provides static text only. WeSignDeal adds party management, loan and repayment configuration, verification, payments, eStamp where applicable, Aadhaar eSign, notifications, audit logs, and a final signed PDF in one platform.
Confirm loan amount, purpose, interest rate, repayment schedule, collateral details, guarantor obligations, default terms, and all additional clauses in the draft PDF before payment and eSign.
Yes. The workflow supports individual and company parties for both lender and borrower roles, with appropriate identification and optional business document uploads.
Drafting can be completed in one session. Total time depends on how quickly each party uploads documents, passes verification, pays fees, and completes Aadhaar eSign. eStamp steps may add time based on jurisdiction.
WeSignDeal supports common online methods including UPI, cards, net banking, and wallets for platform fees and applicable charges as shown at checkout.
Create a WeSignDeal account, open the Loan Agreement workflow, add lender and borrower details, configure loan and repayment terms, and follow the guided steps through verification, payment, and Aadhaar eSign.

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Give lender and borrower a professional, verifiable loan contract — amount, repayment, interest, and Aadhaar eSign in one digital workflow.

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Create your agreement, add parties, configure repayment terms, and complete Aadhaar eSign — built for individuals and businesses across India.

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