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hi if you're looking to write a promissory note all you to do is come right to this web page and we have promissory notes for all 50 states all you have to do is scroll down to your state it's an alphabetical order so it's pretty easy to find your state and on each of the states for example we'll just click on California for each of the states we have the usury rate now the usury rate is the maximum allowable interest that someone can charge on a loan so for example in California under their California Civil Code which we have right here it says that if a loan is basically one year or less that they're allowed to charge $7 per hundred dollars which is just a 7% that's all you're allowed to charge on a loan under one year in California and if it's over one year it's $12 to every one hundred dollars which would be twelve percent so that makes it easy for when you're filling out the form so that you know you're not breaking any laws and then the borrower can maybe come after you for the p

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