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A Florida promissory note is a legal document that outlines a borrower's promise to repay a lender. It includes specific elements and must adhere to state laws regarding interest rates and signing requirements. There are two types of promissory notes: secured and unsecured. Secured notes are backed by an asset, such as a vehicle or home. They are more detailed than an IOU but less comprehensive than a loan agreement. Each type has advantages and disadvantages for both borrower and lender in different situations.
