¶¶Òõ¶ÌÊÓƵ

All Countries
Investment
Individual Loan Agreement

Individual Loan Agreement Template for Ireland

Create a bespoke document in minutes,  or upload and review your own.

4.6 / 5
4.8 / 5

Let's create your Individual Loan Agreement

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get your first 2 documents free

Your data doesn't train Genie's AI

You keep IP ownership of your information

Key Requirements PROMPT example:

Individual Loan Agreement

"I need an Individual Loan Agreement for a €50,000 secured loan to be repaid over 5 years, with the borrower's holiday home in Cork serving as collateral and including specific provisions for early repayment without penalties."

Celebrated by
Collaborations with
Investors
Document background
The Individual Loan Agreement serves as the primary contractual document between a financial institution and an individual borrower in Ireland, establishing their respective rights and obligations in relation to a loan facility. This document is essential when providing personal loans, whether secured or unsecured, and must comply with Irish consumer credit legislation, including the Consumer Credit Act 1995 and European Union (Consumer Credit Agreements) Regulations 2010. The agreement includes crucial information such as loan amount, interest rates, repayment schedules, and default provisions, while ensuring adherence to consumer protection requirements. It's designed for use in various lending scenarios, from personal loans to home improvements, and incorporates mandatory disclosures and cooling-off periods required under Irish law.
Suggested Sections

1. Parties: Identification of the Lender and the Borrower with full legal names and addresses

2. Background: Context of the loan agreement, including the Borrower's application and Lender's agreement to provide the loan

3. Definitions: Definitions of key terms used throughout the agreement

4. The Loan: Core terms including loan amount, purpose, and disbursement details

5. Interest: Interest rate, calculation method, and payment terms, complying with Irish consumer credit disclosure requirements

6. Repayment: Repayment schedule, payment methods, and early repayment provisions

7. Representations and Warranties: Borrower's confirmations regarding their financial status and ability to repay

8. Borrower's Covenants: Ongoing obligations of the Borrower during the loan term

9. Events of Default: Circumstances constituting default and consequences thereof

10. Lender's Rights and Remedies: Actions the Lender may take in case of default

11. Notices: How formal communications between parties should be made

12. Governing Law and Jurisdiction: Confirmation of Irish law governance and jurisdiction

13. Execution: Signature blocks and execution requirements

Optional Sections

1. Security: Required if the loan is secured against any assets or requires guarantees

2. Insurance: Include if specific insurance requirements are imposed on the Borrower

3. Fees and Charges: Separate section needed if there are multiple fees or charges beyond interest

4. Data Protection: Detailed GDPR compliance section if extensive personal data processing is involved

5. Assignment: Include if either party may need to transfer their rights or obligations

6. Force Majeure: Include for longer-term loans where external events might affect performance

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed amortization schedule showing payment dates and amounts

2. Schedule 2 - Conditions Precedent: List of documents and conditions required before loan disbursement

3. Schedule 3 - Form of Drawdown Notice: Standard form for requesting loan disbursement

4. Schedule 4 - Fee Schedule: Detailed breakdown of all applicable fees and charges

5. Appendix A - Standard European Consumer Credit Information: Mandatory standardized information sheet under EU consumer credit regulations

6. Appendix B - Direct Debit Mandate: Form for setting up automatic payment arrangements

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions


































Clauses






























Relevant Industries

Banking

Financial Services

Consumer Lending

Retail Banking

Credit Unions

Alternative Lending

Fintech

Mortgage Lending

Personal Finance

Relevant Teams

Legal

Compliance

Risk Management

Credit Administration

Retail Banking

Operations

Customer Service

Collections

Documentation

Product Development

Underwriting

Relevant Roles

Credit Manager

Loan Officer

Legal Counsel

Compliance Officer

Risk Manager

Credit Analyst

Branch Manager

Relationship Manager

Underwriter

Consumer Banking Manager

Document Specialist

Financial Advisor

Customer Service Representative

Collections Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Contract For Private Loan

An Irish law-governed agreement establishing terms and conditions for a private loan between parties, including loan amount, interest, repayment terms, and security arrangements.

find out more

Regulated Hire Purchase Agreement

An Irish law-governed regulated hire purchase agreement enabling consumers to finance purchases through structured payments while ensuring consumer protection compliance.

find out more

Soft Loan Agreement

An Irish law-governed agreement establishing terms for a loan with concessionary conditions, including favorable interest rates and flexible repayment terms.

find out more

Film Equity Investment Agreement

An Irish law-governed agreement establishing terms for equity investment in film production, including investment structure, rights, and revenue distribution.

find out more

Interest Loan Agreement

An Irish law-governed agreement establishing terms for an interest-bearing loan, including loan amount, interest rates, repayment terms, and parties' obligations.

find out more

Litigation Funding Agreement

An Irish law-governed agreement setting out terms for third-party funding of legal proceedings, including funding commitments, returns, and control mechanisms.

find out more

Royalty Financing Agreement

Irish law-governed agreement establishing royalty-based financing terms between a finance provider and company, with revenue-based repayment structure.

find out more

Loan Participation Agreement

An Irish law-governed agreement establishing terms for the sale of a beneficial interest in a loan from an original lender to a participant, structuring their rights and obligations.

find out more

Loan And Mortgage Agreement

An Irish law-governed agreement combining a loan facility with a mortgage security over real property, setting out lending terms and security arrangements in compliance with Irish banking and consumer protection regulations.

find out more

Mortgage Loan Assumption Agreement

An Irish law-governed agreement that enables the transfer of an existing mortgage from the original borrower to a new assuming party, subject to lender approval and regulatory requirements.

find out more

Film Financing Agreement

An Irish law-governed agreement setting out terms for film project financing, including funding structure, repayment terms, and production requirements.

find out more

Bridge Loan Contract

An Irish law-governed agreement for temporary financing that bridges gaps between permanent funding arrangements or obligations.

find out more

Trade Finance Agreement

An Irish law-governed agreement establishing trade financing facilities between financial institutions and commercial entities, setting out terms for trade finance products and compliance requirements.

find out more

Simple Unsecured Loan Agreement

An Irish law-governed unsecured loan agreement establishing basic lending terms between parties without requiring collateral.

find out more

Separation Financial Agreement

An Irish law-governed agreement detailing financial arrangements and asset division between separating spouses.

find out more

Financial Support Agreement

An Irish law-governed agreement establishing terms and conditions for providing financial support between parties, including payment terms, compliance requirements, and regulatory obligations.

find out more

Individual Loan Agreement

An Irish law-governed agreement setting out terms and conditions for providing a loan to an individual borrower, incorporating consumer protection requirements and lender safeguards.

find out more

Factoring Receivables Agreement

An Irish law-governed agreement establishing terms for the purchase of accounts receivable by a factor from a business client, including pricing, operational procedures, and regulatory compliance requirements.

find out more

Loan Syndication Agreement

An Irish law-governed agreement establishing terms for a syndicated loan facility where multiple lenders collectively provide funding to borrowers.

find out more

Royalty Based Financing Agreement

An Irish law-governed agreement establishing terms for revenue-based business financing where repayment is structured as ongoing royalty payments.

find out more

Accounts Receivable Financing Agreement

An Irish law agreement enabling businesses to obtain immediate funding through the sale of their accounts receivable to a financial institution.

find out more

Debt Factoring Agreement

An Irish law-governed agreement establishing terms for the purchase of trade receivables by a factor from a business client, including operational and regulatory requirements.

find out more

Car Finance Agreement

Irish law-governed car finance agreement setting out terms for vehicle financing between lender and customer, compliant with Irish consumer credit regulations.

find out more

Revenue Based Financing Agreement

Irish law-governed financing agreement where funding repayment is based on the recipient's revenue performance, with defined revenue share terms and regulatory compliance.

find out more

Project Finance Loan Agreement

Irish law-governed loan agreement for project-specific financing, detailing facility terms, security arrangements, and project covenants.

find out more

Financial Management Agreement

An Irish law-governed agreement establishing terms for professional financial management services, compliant with Irish financial services regulations and MiFID II requirements.

find out more

Term Loan Agreement

An Irish law-governed agreement setting out terms and conditions for a fixed-term loan, including loan amount, interest, repayment schedule, and parties' rights and obligations.

find out more

Project Finance Agreement

An Irish law-governed agreement establishing terms for project-specific financing, typically used for large-scale infrastructure or development projects.

find out more

Simple Loan Agreement

An Irish law-governed agreement setting out terms for a straightforward lending arrangement between two parties, compliant with Irish banking and consumer protection regulations.

find out more

Intercompany Loan Agreement

An Irish law agreement governing loan arrangements between related companies within the same corporate group, setting out key terms and ensuring regulatory compliance.

find out more

Car Loan Agreement

An Irish law-governed agreement setting out terms for vehicle financing, including loan conditions, security arrangements, and regulatory compliance requirements.

find out more

Amended Loan Agreement

An Irish law-governed agreement that modifies existing loan terms between lender and borrower, documenting agreed changes while ensuring regulatory compliance.

find out more

Download our whitepaper on the future of AI in Legal

By providing your email address you are consenting to our Privacy Notice.
Thank you for downloading our whitepaper. This should arrive in your inbox shortly. In the meantime, why not jump straight to a section that interests you here: /our-research
Oops! Something went wrong while submitting the form.

³Ò±ð²Ô¾±±ð’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; ³Ò±ð²Ô¾±±ð’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

Our bank-grade security infrastructure undergoes regular external audits

We are ISO27001 certified, so your data is secure

Organizational security

You retain IP ownership of your documents

You have full control over your data and who gets to see it

Innovation in privacy:

Genie partnered with the Computational Privacy Department at Imperial College London

Together, we ran a £1 million research project on privacy and anonymity in legal contracts

Want to know more?

Visit our for more details and real-time security updates.

Read our Privacy Policy.