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Demand Letter Template for Personal Loan Repayment

A demand letter for personal loan repayment formally requests that someone repay money you lent them. This applies whether the loan was made with a written promissory note or as a verbal agreement. A demand letter creates a paper trail and gives the borrower a formal deadline before you pursue legal action. This template is a general starting point — you are responsible for verifying the details and ensuring accuracy before sending.

Disclaimer: This is a general-purpose template for informational purposes only. It is not legal advice and does not create an attorney-client relationship. You are responsible for ensuring the content is accurate and appropriate for your situation.

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Your Full Name

Your legal full name.

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demand-letter-personal-loan.docx

[Your Full Name] [Your Street Address] [Your City, State, ZIP] [Your Phone Number] [Your Email] June 14, 2026 [Borrower Name] [Borrower Street Address] [Borrower City, State, ZIP] RE: Formal Demand for Repayment of Personal Loan — Amount Owed: $[Amount Owed] Dear [Borrower Name], This letter is a formal demand for repayment of $[Amount Owed], which represents a personal loan I made to you on [Loan Date]. On [Loan Date], I lent you $[Original Loan Amount]. The repayment terms we agreed upon were: [Repayment Terms]. As of today, the outstanding balance is $[Amount Owed]. I am requesting full repayment no later than June 28, 2026. Please remit payment to: [Your Full Name] [Your Street Address], [Your City, State, ZIP] If I do not receive repayment by June 28, 2026, I intend to pursue all available legal options, which may include filing a claim in Texas Justice Court (small claims court). I would prefer to resolve this matter without court involvement. If you are experiencing financial hardship, please contact me at [Your Phone Number] or [Your Email] to discuss a repayment plan. Sincerely, [Your Full Name] June 14, 2026 Enclosures: [Attached Documents]

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When to Use This Template

You lent money to someone who agreed to repay it, and they have not
The agreed repayment date has passed without payment
Informal requests for repayment have been ignored or met with excuses
The amount owed is within the Texas small claims court limit of $20,000

After You Send the Letter

1Send the letter via certified mail with return receipt requested and keep a copy for your records.
2Gather all documentation of the loan: bank transfer records, Venmo/PayPal/Zelle transaction history, text messages or emails confirming the loan agreement, and any written promissory note.
3If the borrower does not repay by the deadline, you may file a claim in Texas Justice Court for amounts up to $20,000.
4For loans with no written agreement, your best evidence is bank records showing the transfer and any communications (texts, emails) confirming it was a loan, not a gift.
5Flash Justice can help you prepare your small claims court filing if your demand letter is ignored.

If Your Demand Letter Is Ignored

Flash Justice helps you prepare your Texas small claims court filing — the petition, defendant information, and supporting documentation — so you can file with your local Justice Court.

Start Your Court Filing

Frequently Asked Questions

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