Completing the Financial Aid. Agreement Form: Submitting the Form.A personal loan agreement can protect both you and the borrower when you lend money. Use our step-by-step guide for how to write a personal loan agreement. Loan agreement templates serve as a blueprint for creating formal loan contracts. They include predefined sections that standardize terms. The contract defines the borrower and lender, the amount of money lent, the interest rate, and how long the borrower has to pay it back. A loan agreement is a legal document between a creditor who lends money to a borrower that is repaid with interest. NOTE: The attached document is the Bond Loan Agreement form for the CDFI Bond.