The Balloon Message for Birthday in Texas is a formal document used to outline a financial agreement where the borrower agrees to repay a specified amount to the lender. This document includes key features such as the principal amount, interest rate, payment schedule, and terms related to default and prepayment. Additionally, it specifies that the borrower will make consecutive monthly installments followed by a final, larger balloon payment. Filling instructions guide users to complete the names of the lender and borrower, the total amounts, and dates. Editing is facilitated through clear fields and structured sections, ensuring accuracy and compliance with Texas law. This form is particularly useful for attorneys, partners, owners, associates, paralegals, and legal assistants who require a straightforward method to structure loan agreements for birthdays or celebratory events. Its utility also extends to representing legal obligations in a manner that respects applicable usury laws, offering protection to both parties in the agreement.