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Money Lending Contract

Money Lending Contract Template for Ireland

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Key Requirements PROMPT example:

Money Lending Contract

"I need a Money Lending Contract under Irish law for a €50,000 business loan to be repaid over 3 years, secured by company equipment, with quarterly repayments starting March 2025 and including early repayment options."

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Document background
The Money Lending Contract serves as a fundamental legal instrument in Irish financial transactions, essential for both consumer and commercial lending operations. This document is used when one party (the lender) agrees to provide financial accommodation to another party (the borrower) under specific terms and conditions. It must comply with strict regulatory requirements under Irish law, including the Consumer Credit Act 1995, Central Bank regulations, and EU consumer protection directives. The contract typically includes detailed provisions on loan amount, interest calculations, repayment schedules, security arrangements, events of default, and remedies. Given the regulated nature of money lending in Ireland, the contract must incorporate mandatory consumer protection provisions, standardized information requirements, and specific disclosures, particularly when dealing with consumer borrowers.
Suggested Sections

1. Parties: Identification of the lender and borrower with full legal names and addresses

2. Background: Context of the loan agreement and relationship between parties

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the loan amount and its intended use

5. Interest Rate and APR: Clear statement of interest rate, APR, and calculation method as required by Consumer Credit Act

6. Repayment Terms: Details of repayment schedule, payment amounts, and payment methods

7. Security: Details of any security or collateral provided for the loan

8. Representations and Warranties: Statements of fact and assurances from the borrower

9. Borrower Covenants: Ongoing obligations and commitments of the borrower

10. Events of Default: Circumstances constituting default and consequences

11. Termination: Conditions and process for terminating the agreement

12. Notices: Process for formal communications between parties

13. Governing Law: Specification of Irish law as governing law and jurisdiction

Optional Sections

1. Guarantor Provisions: Required when a guarantor is providing additional security for the loan

2. Early Repayment: Include when early repayment options are offered, detailing any penalties or benefits

3. Insurance Requirements: Include when specific insurance policies are required as part of the loan agreement

4. Assignment and Transfer: Include when either party may need to transfer their rights or obligations

5. Additional Borrower Provisions: Include for multiple borrowers or joint and several liability situations

6. Data Protection: Detailed data protection provisions when extensive personal data processing is involved

7. Variable Rate Provisions: Include when the interest rate may vary during the loan term

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed breakdown of payment dates, amounts, and allocation between principal and interest

2. Schedule 2 - Loan Disbursement Details: Specifics of how and when the loan amount will be disbursed

3. Schedule 3 - Security Details: Detailed description of any security or collateral provided

4. Schedule 4 - Fees and Charges: Comprehensive list of all applicable fees and charges

5. Appendix A - Standard European Consumer Credit Information: Mandatory standardized information sheet as required by EU regulations

6. Appendix B - Key Facts Document: Summary of key terms and warnings as required by Consumer Protection Code

7. Appendix C - Direct Debit Mandate: Standard form for setting up automatic payments if applicable

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions







































Clauses
































Relevant Industries

Financial Services

Banking

Consumer Lending

Commercial Lending

Retail Banking

Alternative Finance

Microfinance

Asset Finance

Consumer Credit

Business Services

Relevant Teams

Legal

Compliance

Credit Risk

Finance

Operations

Treasury

Commercial Lending

Retail Banking

Collections

Risk Management

Regulatory Affairs

Document Management

Relevant Roles

Legal Counsel

Compliance Officer

Credit Manager

Financial Controller

Risk Manager

Loan Officer

Contract Administrator

Credit Analyst

Legal Director

Regulatory Affairs Manager

Treasury Manager

Collections Manager

Account Manager

Commercial Director

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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