Sign Loan Agreements Online — Legally Binding

Sign personal loans, business loans, promissory notes, and other lending documents in your browser. SigPDF processes everything locally — your sensitive financial details never leave your device. Legally recognized e-signatures under the ESIGN Act and eIDAS.

No file uploadsLegally valid (ESIGN / eIDAS)No account requiredFrom €2.08/month

Loading editor...

Why Sign Loan Agreements Online with SigPDF?

Loan agreements are among the most sensitive documents you will ever sign. They contain your personal identification details, financial information, loan amounts, interest rates, repayment schedules, and sometimes Social Security or tax identification numbers. Uploading these documents to a cloud-based signing platform means trusting a third party with your most private financial data.

SigPDF takes a different approach. Your loan agreement PDF is processed entirely inside your web browser using client-side JavaScript. The file never leaves your device — no upload, no server-side storage, no third-party access. You open the document, add your signature, and download the signed copy. The entire process takes under a minute.

Loan Documents You Can Sign with SigPDF

  • Personal loan agreements
  • Business loan contracts
  • Promissory notes
  • Loan modification agreements
  • Lines of credit agreements
  • Auto loan and vehicle financing documents
  • Student loan paperwork
  • Equipment financing agreements
  • Peer-to-peer lending contracts
  • Loan guarantee and co-signer agreements

Are E-Signed Loan Agreements Legally Valid?

  • United States — ESIGN Act (2000): The Electronic Signatures in Global and National Commerce Act gives electronic signatures the same legal standing as ink signatures for loan agreements and other commercial contracts.
  • European Union — eIDAS Regulation (2014): A simple electronic signature cannot be denied legal effect solely because it is in electronic form (Article 25.1). This applies across all EU and EEA member states.
  • UK, Canada, Australia: The Electronic Communications Act 2000 (UK), PIPEDA and provincial statutes (Canada), and the Electronic Transactions Act 1999 (Australia) all recognize electronic signatures on loan documents.

Privacy Matters for Financial Documents

Loan agreements often include your full legal name, address, date of birth, employer information, income details, bank account numbers, and loan terms. When you use a cloud-based signing service, all of this information is transmitted to and stored on third-party servers — potentially accessible to platform employees, subject to data breaches, or available in response to legal requests. With SigPDF, your PDF is rendered and signed entirely in your browser. Once you close the tab, the only copy of your signed document exists on your own device.

How to Sign a Loan Agreement with SigPDF

  1. Open your loan agreement PDF in the editor above — drag and drop or click to browse
  2. Create your signature by drawing with your mouse or finger, typing your name, or uploading a signature image
  3. Place your signature on the signature line of the loan agreement, then add the date
  4. Download the signed loan agreement — your signature is permanently embedded in the PDF

Frequently Asked Questions

Are electronically signed loan agreements legally binding?
Yes. Under the ESIGN Act (US) and eIDAS Regulation (EU), electronic signatures on loan agreements are legally enforceable. The key requirement is that all parties consent to using electronic signatures. Most banks, credit unions, and private lenders accept e-signed loan documents.
Can I sign a promissory note with SigPDF?
Yes. Promissory notes are standard PDF documents that can be signed electronically with SigPDF. Open the note, place your signature on the signature line, add the date, and download the signed document. The signature is permanently embedded in the PDF.
Is my financial information safe when signing loan documents?
SigPDF processes your PDF entirely in your web browser. Your loan documents — including loan amounts, interest rates, Social Security numbers, and bank details — are never uploaded to any server. The file stays on your device throughout the entire signing process.
Can both the borrower and lender sign using SigPDF?
SigPDF is designed for individual signing. The borrower signs their copy, then sends the signed PDF to the lender (or vice versa) for them to add their signature. Each party signs independently on their own device.
What types of loan documents can I sign with SigPDF?
You can sign any loan document in PDF format — personal loan agreements, business loan contracts, promissory notes, loan modification agreements, line of credit agreements, auto loan documents, student loan paperwork, and more. SigPDF works with any standard PDF file.
Can I sign a loan agreement on my phone?
Yes. SigPDF works in any modern mobile browser on iPhone, iPad, and Android. Open SigPDF in Safari or Chrome, load the loan agreement PDF, draw or type your signature, and download the signed document — no app required.
How much does SigPDF cost for signing loan documents?
SigPDF costs from €2.08/month billed annually, with unlimited document signatures. There are no per-document fees, no envelope limits, and no hidden charges. Sign as many loan agreements and financial documents as you need for one flat price.

Related Resources

Sign Your Loan Agreement Now →