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In this tutorial, we will show you how to write a personal loan agreement. You can choose to write it in Adobe PDF, Microsoft Word, or rich text format. We suggest using Adobe PDF as it is the easiest option. The agreement is fillable, so you just need to fill in the blanks. The agreement is made effective on a specified date, with the borrower being identified along with their address. The borrower, in this case, is Johnny Appleseed, lending money to his wife, Nancy Appleseed, who lives at the same address. The borrower promises to pay back the lender a specified amount within a certain period, such as $10,000 within a year.