Promissory Note for Alabama

Create a Promissory Note for Alabama with state-specific legal language. Free template, instant preview, and ESIGN Act compliant electronic signature with identity verification.

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What's inside your Alabama Promissory Note

Every clause reflects Alabama law, so you don't have to research it yourself.

Alabama's usury cap is 6% per year without a written contract, or up to 8% with one (Ala. Code §8-8-1) — but loans of $2,000 or more in principal are exempt from the usury limit entirely (Ala. Code §8-8-5).

Because the $2,000 exemption threshold is so common in practice, a clear written promissory note stating the agreed rate matters even more in Alabama than in states with a flat cap.

Electronic signatures on promissory notes are valid under Alabama's Uniform Electronic Transactions Act (Ala. Code §8-1A-1 et seq.).

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Promissory Note in Alabama — FAQ

6% without a written contract, or up to 8% with one (Ala. Code §8-8-1) — but loans of $2,000 or more in principal are exempt from the usury limit entirely (Ala. Code §8-8-5).