Guides - Personal Loan Blog

JimBondy guides articles about family loans and personal loan tracking.

Family Loan Agreement Template: What to Include Before Money Changes Hands. A practical, plain-English family loan agreement template with clauses for repayment, interest, late payments, signatures, records, and relationship-safe communication.

Family Loans vs. Bank Loans: Which Is Better for Borrowers and Relationships?. A detailed comparison of family loans and bank loans, including cost, speed, relationship risk, documentation, taxes, privacy, and repayment tracking.

I Want to Lend Money to My Adult Child. How Do I Structure It Properly?. A parent-focused guide to loans to adult children, including gifts vs. loans, repayment schedules, interest, tax considerations, written terms, and boundaries.

Private Lending Laws: What You Need to Know Before Lending Money. Is it legal to lend money to friends? When do you need a license? Here's everything you need to know about private lending laws in the United States.

Maximum Interest Rates for Private Loans: 50-State Guide (2026). What's the maximum interest rate you can charge on a personal loan? This state-by-state guide covers usury laws across all 50 states.

When Do You Need a License to Lend Money? A Clear Guide. Lending money to a friend is legal. But when does lending become a business that requires licensing? Here's how to know the difference.

The $184 Billion Problem: Why Personal Loans Between Friends Need Better Tracking. Americans lend $184 billion informally each year. 60% of those loans damage relationships. Here's why — and what the data says we should do about it.

Setting Clear Loan Terms with Family. Before lending or borrowing, here is what you should agree on to avoid misunderstandings later.

Lending Money to Adult Children: A Guide for Parents. How to help your adult kids financially without enabling bad habits or creating resentment.

How to Borrow Money from Family the Right Way. Need to ask family for a loan? Here is how to do it while preserving your dignity and the relationship.

How to Lend Money to a Friend Without Losing Them. A step-by-step guide to lending money while protecting both your wallet and your friendship.

Family Loan Agreement: What to Include (Free Template). Everything you need in a family loan agreement to avoid confusion and protect relationships.

How Much Money Can I Lend to Family Without Tax Issues?. Understanding IRS rules for personal loans, gift taxes, and what you need to know before lending.

Loaning Money to Your Child for a House Down Payment. What parents need to know about lending money for real estate purchases.