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DOWNLOAD this Utah Promissory Note Form if you want to document an agreement between two people in Utah for the loaning of money. The lender and borrower may agree to the interest rate charged provided it is within the parameters of  Utah interest rate law.  The parties may determine whether collateral will be used to secure the note or not.  In addition, the parties may also decide whether the loan will be paid regularly or with a balloon payment.


Under Utah law, the legal interest rate is 10% per year if it is not in writing.  The parties may agree to any rate if it is in writing with some exceptions. UT ST § 15-1-1


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