How to get a promissory note notarized online

Who signs, and which notarial act

The borrower signs, and any co-borrower or guarantor. Some notes also have a line for the lender. Each signer joins from their own device.

Usually an acknowledgment of each signature.

Ask the recipient first

Only the person or office receiving the promissory note can say whether an electronic notarization works for them. Ask:

• Is this note part of a mortgage loan closing? If so, the lender and title company choose the notary and the signing method; ask them first.
• Does the lender (the person or company lending) want an electronic original, or a paper original with ink signatures?
• Is a guarantor or co-signer signing, and on which page?
• Will the note be filed or recorded anywhere, or only kept by the lender?

One original. Lenders often treat a signed note as a single original that the holder keeps. With an online notarization the original is the electronic file. If the lender insists on a paper original with ink, choose remote ink-signed notarization or an in-person signing instead.

Doing it online, step by step

1. Fill in the terms. Amount, interest, payment dates and names, with nothing left blank.
2. Agree on the original. Confirm the lender is happy with an electronic original.
3. Book for every signer. Borrower, co-borrower and guarantor each count as a signer.
4. Sign on video. Each signer shows ID and signs; the notary completes the certificates.
5. Lender keeps the file. The lender keeps the notarized PDF; the borrower keeps a copy.

Mistakes that stop the session

Blank amounts or dates. The notary won't fill them in, and blanks on a note are a risk to both sides.

Thinking notarization makes it enforceable. The notary confirms who signed. Whether the note is enforceable, and on what terms, is a legal question for an attorney.

A mortgage note in a closing. Notes signed at a loan closing go through the lender's own process.

Interest and tax questions. Family loans can have tax consequences. That is for an accountant or attorney, not the notary.

What it costs

$40 for the session, plus $10 for each extra signer. Any other fee shows in the booking form before you confirm. For the usual 2 signers on a promissory note, that is $50 for the session. If a witness is needed, a video witness can be added in the booking form at $40 each.

Open 7 am to 9 pm ET, every day, by appointment. Have a current photo ID, a device with a camera, and the unsigned PDF.

Signing from outside the U.S.? New Jersey allows it only when the document is for a U.S. court, agency or other U.S. entity, involves property in the U.S., or relates to a transaction substantially connected with the U.S., and signing isn't prohibited where you are (N.J.S.A. 52:7-10.10). Check your document.

Related

• Promissory note and loan agreement notarization
• Remote ink-signed notarization
• Real estate documents online
• Every document we cover online

Other documents notarized online

• Bill of sale
• Child travel consent letter
• Lease
• Gift letter
• Name change affidavit
• Residency affidavit
• Affidavit of identity
• Certification of trust

General information, not legal advice. We are not lawyers: we notarize, and we don't draft or explain documents. Whoever receives your document decides what it accepts, and we can't guarantee that any office or company will accept it. Updated November 8, 2026.