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In this video tutorial, the presenter explains how to create a personal loan agreement using DocHub PDF, highlighting its user-friendly, fillable format. The process begins on a specified webpage, where the user can enter the date the agreement becomes effective. An example is given with a borrower, Johnny Appleseed, at 123 Apple Way, Apple Bill, Texas, borrowing $10,000 from his wife, Nancy Appleseed. The agreement will stipulate that Nancy has one year to repay the amount. The tutorial emphasizes filling in the blanks as per the agreement's structure to ensure all details are correctly captured.