Sign loan agreements online, free and verified.

Yes. Loan agreements signed online are legally binding in the United States under the ESIGN Act of 2000 and state UETA laws, and in the EU under the eIDAS regulation, provided the signer intended to sign, consented to sign electronically, the signature is attributed to them, and a record is retained. Document eSign captures all four on every loan agreement and seals each finished document with a SHA-256 hash and an embedded PAdES-B signature, returning a certificate of completion and the full audit trail - the proof you would put in front of a court or counterparty if the loan is ever disputed. Some lending products carry specific federal or state disclosure rules and a few instruments may need notarization or wet ink, so confirm the requirements for that loan type and jurisdiction.

You confirm the borrower with one of two methods before the agreement will open. An emailed one-time passcode requires the borrower to enter a code sent to their inbox, which proves control of the email address on file. A per-signer access PIN, which you share separately from the email link, means only the person you gave the PIN to can open and sign the agreement, even if the link is forwarded. Whichever you use, the verification type, the exact time it happened, the borrower's IP address, and their device are all recorded on the certificate of completion next to the signature, so the proof of who signed travels with the loan document. SMS one-time-passcode verification is coming soon as an additional phone-based factor for higher-value lending.

Yes. A promissory note signed electronically is binding under the same ESIGN and UETA framework as any other loan instrument, and it comes back sealed with a certificate of completion and a tamper-evident PAdES-B signature. Build the note once with fields for the principal, interest rate, term, and signature, verify the maker with an email OTP or an access PIN, and send it for signature - they complete it in the browser on any device with nothing to install. The repayment terms on the page are locked into the cryptographic seal at the moment of signing, so the amount owed and the schedule cannot be altered afterward without breaking the seal. The maker and the holder both receive the same sealed copy and audit trail.

The repayment terms live on the agreement itself - principal, APR, term, monthly payment, and first payment date - and the whole document is bound into the seal at the instant the borrower signs. Document eSign applies a SHA-256 hash and an embedded PAdES-B signature over the finished PDF, which is a cryptographic fingerprint of every character on the page, including the money terms. If a single figure is changed after signing, the seal no longer matches and any standards-compliant reader flags the file as altered. Alongside the document, the certificate of completion records who signed, how they were verified, and when, so both the identity of the borrower and the exact terms they agreed to repay are fixed in one record you can produce on demand.

Yes. The moment the last party signs, every recipient on the envelope receives the same sealed PDF and the same certificate of completion, so the lender and the borrower each hold an identical tamper-evident copy of the loan agreement. Nothing is locked to the platform - you can export the completed document and its audit trail at any time and keep your own copies in whatever system you already use for records retention. Because each copy carries the same SHA-256 hash and PAdES-B signature, either party can verify their version independently in Adobe Acrobat and confirm it has not been changed since signing. Nothing is auto-deleted, so a loan you closed years ago stays accessible with its proof intact.

Yes. Add every party to one envelope and use sequential routing to send to the borrower first, then the co-signer, the guarantor, and an internal approver in the exact order you set, with each person notified at their turn. Each signer can be verified independently with their own email OTP or access PIN, and every action lands on the single append-only audit trail for the loan, so the whole signing chain sits in one record rather than scattered across separate emails. Automatic reminders keep the chain moving if someone stalls, and you can see exactly who you are waiting on from your dashboard. When the final signature lands, every party receives the same sealed agreement and certificate of completion.

No. Borrowers open a secure link from their email, verify their identity with the OTP or PIN you set, and sign directly in the browser on any phone, tablet, or laptop, with nothing to install and no account to create. They review the agreement, agree to the electronic-signing consent, and sign by typing or drawing, producing the same legally binding signature and audit trail they would get from any other method. The only person who needs a Document eSign account is you, the lender who builds and routes the agreement. This is what keeps lending moving: a borrower in another state or time zone can verify and sign in a few minutes, and the sealed copy lands back in your workspace the moment they finish.

The e-signature itself does not change the substance of the loan. Document eSign makes the agreement legally executed and tamper-evident, but the interest rate, fees, and disclosures you put on the page still have to comply with the lending and usury rules of the borrower's jurisdiction - state caps on interest, federal Truth in Lending disclosures for consumer credit, and any licensing the lender needs. Those rules vary widely by state and loan type, and an e-signature neither adds nor removes them. Confirm the applicable interest limits, disclosure wording, and licensing for the specific loan and jurisdiction with qualified counsel before you send. What the platform guarantees is that whatever terms you and the borrower agree to are captured and sealed exactly as signed.