Please fill out the contact form and we will reply as soon as possible. Use our free Loan Agreement template to create a contract online.A loan agreement is a legal document between a creditor who lends money to a borrower that is repaid with interest. The loan and security agreement is a legally binding contract that sets out the terms of loans between two parties. 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. How can I ensure Fulton Bank will receive my loan payment on time? If you do not want to participate in any Overdraft Elect Plan please fill out the form on our Overdraft Services page, call us at 1.800. The loan agreement includes the amount of money that is being loaned as well as establishing a payment schedule. Fulton at the time they would draw up a long-form contract.