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Whatever is agreed regarding applicable penalties for late or inability to comply should not only be discussed but also defined. Payment deadlines also should be set and included in the loan agreement as well. In order to effectively carry out the terms in the agreement, it is but proper to include the contact information of both the lender and debtor should the need arise to call them out.
Loan agreements, like any contract, reflect an "offer," the "acceptance of the offer," "consideration," and can only involve situations that are "legal" (a term loan agreement involving heroin drug sales is not "legal"). Loan agreements are documented via their commitment letters, agreements that reflect the understandings reached between the involved parties, a promissory note, and a collateral agreement (such as a mortgage or a personal guarantee). Loan agreements offered by regulated banks are different from those that are offered by finance companies in that banks receive a "banking charter" granted as a privilege and involving the "public trust."
With the several types of loans that you can avail from both government and the private organizations, you will find it difficult to go with the process of loan sanctioning. Before going with the final decision, you should verify the various attributes mentioned in loan agreement that will help you to qualify for the loan.
Start your research today and trust me, you will find one or the other lender who will be able to give you a loan without your co-borrower. Please note that having or not having a co-borrower for your loan is subject to the credit history of your co-borrower. If he has a good credit history, you would not mind getting him on-board for signing the loan agreement. Think twice if it is otherwise.