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The tutorial explains how to write a personal loan agreement using DocHub PDF. Users can select their preferred format and are guided to fill out a fillable form. The process begins by entering the effective date and naming the borrower (e.g., Johnny Appleseed) with an address. The agreement specifies that the borrower will repay the lender (e.g., Nancy Appleseed) within a designated timeframe, which the tutorial suggests could be one year, and includes a loan amount, here set as $10,000. The tutorial emphasizes the ease of filling out the form by clicking on the blanks provided.