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A Promissory Note is different than a loan agreement because it only binds one party - the Borrower.
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Remember, most lenders will not agree to lend to you if you do not have a. They are "secured" because they are backed by collateral. A Promissory Note, also sometimes called an IOU, is essentially a one-sided document by which a borrower of money (most often just called the Borrower) agrees to pay a lender (the Lender).
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