Blog

Blog

Insights, guides, and updates to help you navigate loans and agreements.

Close-up of hands signing a family loan agreement document with a pen
Legal Guide

The Maximum Interest Rate You Can Charge on a Family Loan (It Isn't the AFR)

Family loans have two interest rate limits: the IRS AFR floor and your state's usury ceiling. See real state caps and how to price a loan safely.

Aug 26, 2026Read
A hand signing a loan agreement document with a pen
Legal Guide

Does a Family Loan Need to Be Notarized? No, But 3 Situations Change That

Does a family loan need to be notarized? No, in most cases, but three situations make it worth the trip. Here is when and why.

Jul 31, 2026Read
Two people at a table reviewing and signing paperwork with a pen
Legal Guide

What Happens to a Family Loan in Bankruptcy? The One-Year Clawback Rule Both Sides Need to Know

Filing bankruptcy with a family loan on the books? Here's how the one-year insider preference rule affects the borrower and the lender.

Jul 24, 2026Read
Close-up of hands signing a document with a pen, representing a written loan agreement
Legal Guide

Family Loan or Gift in a Divorce? How Courts Decide (And the Paper Trail That Wins)

Was that $30,000 from your parents a loan or a gift? Here's how divorce courts decide, the evidence that wins, and how to document loans now.

Jul 10, 2026Read
Person signing a formal family loan agreement document with a pen
Legal Guide

How to Create a Family Loan Agreement (Free Template & Generator)

Create a professional family loan agreement in minutes with our free generator. Learn what to include, common mistakes to avoid, and how to protect both lender and borrower with proper documentation.

Oct 5, 2025Read
Two people signing a document at a desk representing formal agreement and trust in family loan setup
Legal Guide

How to Setup a Family Loan Agreement (2026 US Guide)

A comprehensive guide to creating formal loan agreements between family members in 2026, including essential elements, current tax considerations, and relationship management.

Sep 4, 2025Read