Brazilian promissory note (nota promissória)
The nota sold in pads at every Brazilian stationer’s, filled in and numbered for each instalment.
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Example
Example: a motorbike sold for R$ 9.000, paid in six notas of R$ 1.500
James Walker (fictitious), a British teacher living in Florianópolis, sells his motorbike to Lucas Ferreira Lima, who pays in six monthly instalments and signs a nota for each. Total 9.000,00; One nota per monthly instalment; 6 instalments, the first due on 10 April 2026; issued in Florianópolis on 10 March 2026; no interest.
- Maker: Lucas, with his CPF and address. Payee: James, with his CPF. There is no guarantor: the Por aval ao emitente block is printed anyway, with blank lines, and simply left unsigned.
- Without interest the total is split evenly: 9.000,00 ÷ 6 = R$ 1.500,00 on each nota, numbered 1/6 to 6/6, each due on the 10th.
- Each promise is in Portuguese, the amount in words: “No dia 10 de abril de 2026, pagarei por esta única via de NOTA PROMISSÓRIA a James Walker … a quantia de mil e quinhentos reais (R$ 1.500,00) …”
- Three notas fit on an A4 sheet, so the six print on two sheets; cut along the dashed lines.
| Nota | Vencimento | Valor | Valor at 12 % a year |
|---|---|---|---|
| 1/6 | 10/04/2026 | R$ 1.500,00 | R$ 1.552,94 |
| 2/6 | 10/05/2026 | R$ 1.500,00 | R$ 1.552,94 |
| 3/6 | 10/06/2026 | R$ 1.500,00 | R$ 1.552,94 |
| 4/6 | 10/07/2026 | R$ 1.500,00 | R$ 1.552,94 |
| 5/6 | 10/08/2026 | R$ 1.500,00 | R$ 1.552,94 |
| 6/6 | 10/09/2026 | R$ 1.500,00 | R$ 1.552,91 |
| Total | R$ 9.000,00 | R$ 9.317,61 |
Lucas signs every nota as Emitente and James keeps them until each one is paid. Had they agreed 12 % a year, the six notas would be equal instalments of R$ 1.552,94 (the last R$ 1.552,91) with the interest built into the amounts, because a nota itself may not carry an interest clause.
How it works
- Enter the total amount and choose one nota, or one for each monthly instalment with the first due date. The amount is written out in Portuguese for you.
- Fill in the maker (the borrower) with their CPF and address, the payee (the lender) and, if there is one, the guarantor.
- Add the city and date of issue.
- Download, print and cut along the dashed lines. The maker signs every nota, the guarantor signs beside, and the payee keeps them.
Frequently asked questions
- What makes a nota promissória valid?
- Article 75 of the Uniform Law as Brazil enacted it (Decree 57.663/1966) asks for seven things: the words “nota promissória” in the text itself, an unconditional promise to pay a fixed sum, the due date, the place of payment, the name of the payee, the date and place of issue, and the maker’s signature. Every nota made here carries all of them; only the signature is left to you.
- Why one nota per instalment?
- A nota with several successive due dates is void (articles 33 and 77 of the Uniform Law), so a debt paid in instalments becomes a numbered set, each nota with its own due date: 1/10, 2/10 and so on.
- Does it need witnesses or a notary?
- No. A nota promissória is enforceable on its own (Brazilian Code of Civil Procedure, art. 784, I): if it is not paid, the payee can go straight to enforcement. Having the signature certified at a cartório is optional but makes it harder to deny later.
- What is the avalista?
- A guarantor who signs on the face of the nota, in the “Por aval ao emitente” block, and is liable for it just as the maker is (art. 32 of the Uniform Law).
- How is interest handled?
- On a nota with a fixed due date an interest clause counts as unwritten (art. 5 of the Uniform Law). If you enter a rate, the interest is built into the amounts instead: each nota becomes an equal instalment that already includes it.
- How are the notas laid out for printing?
- Three to an A4 sheet, one above the other, with dashed lines to cut along: six notas take two sheets. Each has its number (Nº 1/6, 2/6…) at the top right, the due date and the amount in boxes, the promise in Portuguese with the amount in words, the place of payment, the place and date of issue, and the Emitente and Por aval ao emitente blocks with name, CPF/CNPJ and address.
- Is this legal advice?
- No, it is a form. For large amounts or if you expect a dispute, ask a Brazilian lawyer.