Looking for a promissory note that holds up in California? Our AI-powered generator produces a state-aware Promissory Note tailored to California law in under five minutes — no attorney consultation required to get started. Every clause is reviewed against the legal frameworks most California courts care about as of 2026.
Reflects California law as of 2026. Professional review advisable.
California usury rules cap most non-licensed-lender personal loan interest at 10% per year (Cal. Const. art. XV § 1).
When you're ready to sign, you'll be guided through a short questionnaire, the document is generated and reviewed for issues, then you can download a PDF, e-sign it, or send it to a counterparty for signature. Professional review is advisable for high-stakes agreements.
| Governing law clause | Set to the State of California by default |
|---|---|
| Electronic signatures | Valid under the federal ESIGN Act and California's adoption of UETA |
| Written-contract claim window | Generally 4 years from breach |
| Notarization | Not required for this agreement; used for deeds, powers of attorney, and some transfers |
| Witnesses | Not required — signatures of the parties are sufficient |
| Interest | California usury limits cap the maximum lawful rate — keep the stated rate below it |
Orientation only — statutes change. Confirm against current California code for your specific situation.