As of 13 August 2026, AI can draft a personal repayment agreement.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Choose the jurisdiction that applies, then gather the parties' legal names, addresses, the amount owed, what it is for, and any written evidence of the debt.
   2. Agree the repayment terms with the other person, including the first payment date, instalment amount, frequency, final payment, payment method, interest or charges, and what you will do if a payment is missed.
   3. Paste those facts into the prompt and ask the chatbot to produce the agreement with placeholders for bank details and any information you have not supplied.
   4. Copy the draft into a document and compare every name, amount, date, instalment and agreed consequence against your evidence and the terms you actually agreed.
   5. Ask the chatbot to list any clause that depends on the jurisdiction or could need legal confirmation, then remove any term you cannot explain or have not agreed with the other person.
   6. Ask a solicitor to review the document if the debt is disputed, substantial, secured, linked to a business, or likely to lead to court action.
   7. Send the final document to both parties for review, make any agreed changes, and have both parties sign and retain the same completed version.

   Prompt

   Draft a plain-English personal repayment agreement for use in [England and Wales / Scotland / Northern Ireland]. This is a private agreement between [creditor name] and [debtor name].
   
   Use only the facts I provide and do not invent missing terms. Include:
   - the parties and their contact details, using placeholders where needed
   - the total amount owed and what the debt relates to
   - the first payment date, payment frequency, amount of each instalment and final payment method
   - the bank or payment details as a placeholder, not real account details
   - whether interest, fees or other charges apply
   - what happens if a payment is late or missed, without claiming that a remedy is legally available unless you identify it as something a solicitor must confirm
   - how either party can give notice and how the agreement can be changed
   - a statement that the agreement records the parties' current understanding, subject to the applicable law
   - signature blocks for both parties, with dates and an optional witness section
   
   After the draft, provide:
   1. A table of every fact or term that still needs to be confirmed.
   2. A list of clauses that depend on the jurisdiction or the nature of the debt.
   3. A short checklist of factual checks to make before signing.
   4. A clear note saying this is not professional advice and that a solicitor should review it if the debt is disputed, substantial, secured, connected to a business, or likely to lead to court action.
   
   Do not give a conclusion about whether the agreement is enforceable. Do not include made-up legal citations, deadlines, interest rates or remedies.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.