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The tutorial explains how to write a personal loan agreement using docHub PDF, considered the easiest format. Users begin by visiting the specified webpage and selecting their preferred format. In the fillable template, they can fill in the date, borrower's name, and address—in this example, Johnny Appleseed at 123 Apple Way, Applebill, Texas. The agreement involves lending money to his wife, Nancy Appleseed, at the same address. The borrower promises to repay the lender a loan amount of $10,000 within one year. The video emphasizes entering all necessary details in the form clearly and accurately.