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DOWNLOAD this New York Promissory Note Form in order to document and represent an agreement between two people from New York regarding the loaning of money.  The parties to the agreement may decide how much interest will be charged within the parameters of New York law and whether or not any property will be used to secure the loan.  The parties may also choose how the loan will be repaid, whether by regular payments or in one lump sum.


The maximum rate of interst chargeable, with some exceptions, in New York is 16% per year. McKinney’s Banking Law § 14-a