Promissory Note under California Law

Create a Promissory Note in San Jose, California with California-specific legal language. Free template, instant preview, and ESIGN Act compliant electronic signature with identity verification.

Promissory Note Preview

What's inside your California Promissory Note

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

California's constitutional usury cap is generally 10% per year for non-exempt personal loans (Cal. Const. Art. XV §1) — many licensed lenders and business loans are exempt.

A promissory note should always state a clear principal, interest rate, payment schedule, and default/late-fee terms to be enforceable.

Electronic signatures are valid for promissory notes under Cal. Civil Code §1633.7, alongside the Federal ESIGN Act.

Fill it out, sign it, done — right from your phone.

No printing or scanning

Signed PDF ready in minutes

Works on any device

Secure Signatures

Identity Verification

Audit Trail

Instant PDF

Geolocation Evidence

Legal Compliance

Ready in 4 Steps

Fill the Form

Select your template and fill in the parties' details. Get a real-time preview of your legal document.

Sign Digitally

Draw your e-signature or send a unique QR link to co-signers. Sign from any device, anywhere.

Verify Identity

Capture a live selfie + ID photo. Biometric proof is embedded directly inside your signed PDF.

Download PDF

Receive a clean, watermark-free PDF with SHA-256 audit trail — court-admissible in all 50 states.

Used by freelancers, landlords, agencies and small businesses across the United States.

Promissory Note in California — FAQ

Generally 10% per year for non-exempt personal loans under the state constitution's usury cap, though many licensed lenders and business loans are exempt — check which category your loan falls into.