FAMILY LOAN AGREEMENT TEMPLATE — NZ
Built for private loans between people who know each other.
AMICO AGREEMENT
DRAFT
Loan amount $15,000
Lender Aroha Williams
Borrower Theo Williams
Starts on 01 Sep 2026
Ends on 31 Aug 2028
Ready to review together
Lending money to family or friends can be generous, and still worth putting in writing. Amico helps you work through the important details together, so expectations are clear from the start.
A simple personal loan agreement should cover more than an amount and a signature. It should help both people understand what they have agreed to.
With Amico, you can document:
01 Who is lending and borrowing
02 How much is being lent
03 The interest rate, if any
04 The repayment schedule
05 Any security or collateral agreed between you
06 What to do if a repayment needs to change
FROM AGREEMENT TO REPAYMENTS
When repayments are managed through Amico Repay, both sides can keep track of the plan in one place. No chasing. No relying on memory. Just a shared record of what has been agreed.
REPAYMENT PLAN
$625.00 / month
Shared, clear, and ready for both sides to follow.
Whether you are helping with a first home, a car, a business idea or a difficult patch, a clear agreement can protect the relationship as well as the money. Amico gives both sides a shared framework for a family loan — without awkward conversations later.
LOAN AGREEMENT TEMPLATE FAQS
What should a family loan agreement include?
It should clearly record the people involved, the loan amount, any interest, the repayment plan and what happens if the arrangement needs to change.
Can I create an interest-free loan agreement?
Yes. You can agree on an interest-free loan or set an interest rate that works for both people.
Is this for loans between friends as well as family?
Yes. Amico is designed for private loans between people who know each other, including family members and friends.
Is the loan agreement document free?
The document is free when repayments are managed through Amico Repay.
Do I need legal advice?
Every situation is different. If your arrangement is complex or you need advice about your circumstances, speak with a qualified professional.