Bill Maurer

Promissory notes outline a loan agreement's specific terms and conditions as a legally binding document that formalizes your commitment to repay a specified amount of money within a particular time frame. "A promissory note is basically an IOU," says Bill Maurer, director of the Institute for Money, Technology and Financial Inclusion at the University of California, Irvine. "It's a written statement of a promise to pay a specific sum of money by a specific time. Think of it as an IOU that's legally enforceable." 

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