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The tutorial explains how to write a personal loan agreement using DocHub PDF. Users can choose to create the document in various formats, but the instructor prefers DocHub for its user-friendly fillable form. The process begins by entering the effective date and the borrower's details, using "Johnny Appleseed" as an example, who lives at "123 Apple Way, Appleville, Texas." The loan is between Johnny and his wife, "Nancy Appleseed," who resides at the same address. The borrower agrees to repay the lender a total of $10,000 within a year. The tutorial guides users through filling in specific loan details step by step.