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In this tutorial, viewers learn how to create a personal loan agreement using docHub PDF, which is noted as user-friendly. The process begins by selecting a blank form where users can fill in details. After establishing the effective date, the borrower (Johnny Appleseed) is identified along with his address (123 Apple Way, Appleville, Texas). The loan is between Johnny and his wife, Nancy Appleseed, who shares the same address. The agreement specifies a repayment period of one year for a loan amount of $10,000. Additional loan details are outlined, completing the agreement setup.