For unpaid personal loan disputes
Generate a personal loan demand letter for money owed to you
When someone does not repay money you lent them, a formal demand letter can state the amount lent, repayment agreement, missed payment history, and deadline to repay.
Educational document-generation tool. Not a law firm and not legal advice.
Good fit when...
- ✓A friend or family member has not repaid money you lent.
- ✓There was a verbal or written repayment agreement.
- ✓You have texts, emails, bank records, or payment app history showing the loan.
- ✓You want one final written demand before small claims court.
What the letter should include
- ✓Amount lent, amount demanded, and date the money was provided.
- ✓The repayment agreement or promise to repay.
- ✓A factual summary of missed payments or broken promises.
- ✓A deadline to pay and a small claims court notice.
Common mistakes to avoid
- !Calling a gift a loan without evidence of a repayment agreement.
- !Leaving out payment records or messages that show the amount owed.
- !Using personal attacks instead of a businesslike demand.
- !Demanding extra fees or interest that were never agreed to.
Frequently asked questions
Can I use this if the agreement was verbal?
Yes, but you should describe the repayment promise and keep any supporting evidence, such as texts, emails, bank transfers, or payment app records.
Will this guarantee repayment?
No letter can guarantee payment. A demand letter creates a clear record and may encourage resolution before court.
Ready to create your letter?
Answer a few factual questions, preview your letter, and download a print-ready PDF when you are ready.
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