Promissory Note for Texas

Create a Promissory Note for Texas 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 Texas Promissory Note

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

Texas uses a tiered usury system under the Finance Code — without a signed rate agreement the default cap is low (around 6%), while a written agreement allows substantially higher rates depending on loan type.

Always specify the interest rate explicitly in writing — Texas courts will not assume a market rate if the note is silent.

No state income tax simplifies interest income reporting for the lender compared to states with state-level tax withholding.

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Promissory Note in Texas — FAQ

Without a signed rate agreement, Texas defaults to a low statutory rate (around 6%). A written agreement is required to charge the higher rates generally allowed for the loan type.