Free Debt Finance Templates

Debt Finance: 12 free templates to browse without an account, then edit with an AI agent and e-sign in GitLaw.

Debt Finance covers instruments for borrowing and repaying capital, ranging from seed-stage Y Combinator SAFEs to consumer debt repayment plan letters. It includes formal loan agreements with collateral provisions and notices to terminate hire purchase contracts. For equity-based fundraising without a debt component, see the Share Capital category.

  • 12 templates
  • Free to edit with AI
  • No account needed to browse
united kingdom
FeaturedEngland & Wales
Offer to non-priority creditor - letter by Citizens Advice
This letter allows a debtor to propose a monthly repayment plan to a non-priority creditor when they cannot meet their existing financial obligations. It includes a request to freeze interest and charges and provides a space to enclose a financial statement to prove the offer is fair and proportionate.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to cancel a credit agreement before it starts by Citizens Advice
This formal notice is for individuals who wish to withdraw from a finance agreement before it has been fully executed. It cites rights under the Consumer Credit Act 1974 to ensure the termination of the account and a full refund of any monies paid.
Updated 13 Aug 2026
FeaturedEngland & Wales
Ending a joint hire purchase or a conditional sale agreement - letter by Citizens Advice
This formal letter provides notice to a lender to terminate a joint hire purchase or conditional sale agreement. It cites specific rights under the Consumer Credit Act and requests instructions for returning the goods.
Updated 13 Aug 2026
FeaturedEngland & Wales
No money to pay creditors - letter by Citizens Advice
This letter informs a creditor that a debtor is currently unable to make monthly payments due to financial hardship. It includes a request to freeze interest and other charges while the debtor awaits the outcome of benefit claims or a change in circumstances.
Updated 13 Aug 2026
FeaturedEngland & Wales
Request to write off a joint debt - letter by Citizens Advice
This letter allows joint debtors to request that a creditor formally write off an outstanding debt due to severe financial hardship. It includes a standard explanation for long-term illness and requires an enclosed financial statement to prove that income and expenses leave no room for repayment.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter for repaying debt to your energy supplier by Citizens Advice
This letter template helps UK consumers request a lower weekly debt repayment rate from their energy supplier. It allows individuals to cite Ofgem regulations and describe personal financial or family circumstances that affect their ability to pay.
Updated 13 Aug 2026
FeaturedEngland & Wales
Request to write off a debt - letter by Citizens Advice
This letter assists individuals in requesting that a creditor write off an outstanding debt due to severe financial hardship. It includes placeholders for explaining specific personal circumstances, such as long-term illness, and refers to an enclosed financial statement as evidence of inability to pay.
Updated 13 Aug 2026
FeaturedEngland & Wales
Ending a hire purchase or a conditional sale agreement - letter by Citizens Advice
This letter allows a consumer to terminate a hire purchase or conditional sale agreement. It cites statutory rights under the Consumer Credit Act to end the agreement and requests instructions for returning the goods.
Updated 13 Aug 2026
FeaturedEngland & Wales
No money to pay creditors - joint letter by Citizens Advice
This formal letter is for joint debtors to notify a creditor that they have no disposable income to make payments. It provides a structured way to request an interest freeze and an account hold while a financial statement is reviewed.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to get a loan fee refunded when the loan hasn't been received by Citizens Advice
This formal letter demands a refund of a loan brokerage or arrangement fee when the loan was not secured. It relies on specific statutory protections in the UK to limit the broker's retained administrative costs to £5.
Updated 13 Aug 2026

GitLaw provides templates and tools, not legal advice. Templates are a starting point, not a substitute for advice on your situation - for anything significant, speak to a qualified lawyer.