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Notaron does not provide legal advice. This template is general-purpose. Consult an attorney for jurisdiction-specific guidance.

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What is a Promissory Note?

A promissory note is a legal document in which a borrower promises to repay a lender a specified amount under agreed terms.

When do you need one?

Use when lending or borrowing money informally (e.g., family loans, personal loans). Provides a written record of the debt.

Does it need to be notarized?

Notarization is recommended for promissory notes to strengthen enforceability and provide a clear record.

Can you notarize a Promissory Note online in your state?

Remote online notarization is authorized in 45 states, and a notarization performed under a state’s RON law is generally recognized in the others — so signers in states without their own RON statute can usually still notarize online with a commissioned notary elsewhere. Whether this document is eligible, and whether it needs witnesses, depends on your state and on the party who will accept it. Select your state for its specific rules.

Alabama Valid via out-of-state notaryAlaska RON authorized since 2021Arizona RON authorized since 2020Arkansas RON authorized since 2020California Law pending — valid via out-of-state notaryColorado RON authorized since 2020Connecticut RON authorized since 2023Delaware Law pending — valid via out-of-state notaryDistrict of Columbia RON authorized since 2023Florida RON authorized since 2020Georgia Valid via out-of-state notaryHawaii RON authorized since 2024Idaho RON authorized since 2020Illinois RON authorized since 2022Indiana RON authorized since 2019Iowa RON authorized since 2020Kansas RON authorized since 2021Kentucky RON authorized since 2020Louisiana RON authorized since 2022Maine RON authorized since 2023Maryland RON authorized since 2020Massachusetts RON authorized since 2023Michigan RON authorized since 2019Minnesota RON authorized since 2019Mississippi Law pending — valid via out-of-state notaryMissouri RON authorized since 2020Montana RON authorized since 2019Nebraska RON authorized since 2020Nevada RON authorized since 2019New Hampshire RON authorized since 2022New Jersey RON authorized since 2022New Mexico RON authorized since 2021New York RON authorized since 2023North Carolina RON authorized since 2023North Dakota RON authorized since 2019Ohio RON authorized since 2019Oklahoma RON authorized since 2020Oregon RON authorized since 2022Pennsylvania RON authorized since 2020Rhode Island RON authorized since 2023South Carolina Valid via out-of-state notarySouth Dakota RON authorized since 2020Tennessee RON authorized since 2019Texas RON authorized since 2018Utah RON authorized since 2019Vermont RON authorized since 2022Virginia RON authorized since 2012Washington RON authorized since 2020West Virginia RON authorized since 2021Wisconsin RON authorized since 2020Wyoming RON authorized since 2021

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Frequently asked questions

Does a promissory note need to be notarized?
Not always required, but notarization is recommended for enforceability and clarity.
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