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The tutorial explains how to write a personal loan agreement using the DocHub PDF format. It begins by directing users to a specific webpage where they can choose their preferred format. The narrator demonstrates filling out a fillable form by entering the effective date of the agreement, which is May 24. The borrower is identified as Johnny Appleseed, residing at 123 Apple Way, Applebill, Texas. He is lending money to his wife, Nancy Appleseed, who has the same address. The agreement specifies that Nancy promises to repay the loan within one year, with the loan amount set at $10,000. Further details about the loan are provided as the form is completed.