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The tutorial explains how to write a personal loan agreement using DocHub PDF. Users should start by selecting their preferred format on the webpage. The tutorial demonstrates filling out a form by entering the effective date, which is May 24, and naming the borrower, Johnny Appleseed, who resides at 123 Apple Way, Applebill, Texas. Nancy Appleseed is identified as the lender, also living at the same address. The borrower promises to repay a loan of $10,000 within a year. The tutorial emphasizes completing the form by filling in the necessary details, particularly regarding the loan terms.