diff --git a/src/common/setting-definition.ts b/src/common/setting-definition.ts
index 42cee41b..e0874408 100644
--- a/src/common/setting-definition.ts
+++ b/src/common/setting-definition.ts
@@ -308,6 +308,7 @@ export interface QuickCaptureSettings {
 	createFileMode?: {
 		defaultFolder: string; // Default folder for file creation
 		useTemplate: boolean; // Whether to use a template for new files
+		templateFolder?: string; // Folder containing available templates
 		templateFile: string; // Template file path
 		writeContentTagsToFrontmatter?: boolean; // When true, write #tags from content into frontmatter.tags (merged, deduped)
 	};
@@ -1024,6 +1025,7 @@ export const DEFAULT_SETTINGS: TaskProgressBarSettings = {
 		createFileMode: {
 			defaultFolder: "",
 			useTemplate: false,
+			templateFolder: "",
 			templateFile: "",
 			writeContentTagsToFrontmatter: false,
 		},
diff --git a/src/components/features/quick-capture/modals/BaseQuickCaptureModal.ts b/src/components/features/quick-capture/modals/BaseQuickCaptureModal.ts
index 57d0ae54..d06fb80f 100644
--- a/src/components/features/quick-capture/modals/BaseQuickCaptureModal.ts
+++ b/src/components/features/quick-capture/modals/BaseQuickCaptureModal.ts
@@ -509,57 +509,10 @@ export abstract class BaseQuickCaptureModal extends Modal {
 					`${defaultFolder}/${targetFile}`
 				);
 			}
-			// Inject frontmatter (and tags) for File mode
-			const useTemplate = !!this.plugin.settings.quickCapture.createFileMode?.useTemplate;
-			const hasFrontmatter = processedContent.trimStart().startsWith("---");
-			if (useTemplate) {
-				// Only ensure frontmatter exists
-				if (!hasFrontmatter) {
-					processedContent = `---\nstatus: ${JSON.stringify(this.mapStatusToText(this.taskMetadata.status))}\n---\n\n${processedContent}`;
-				}
-			} else {
-				// Build full frontmatter only when none exists
-				if (!hasFrontmatter) {
-					// Status -> textual metadata
-					const statusText = this.mapStatusToText(this.taskMetadata.status);
-					// Dates
-					const startDate = this.taskMetadata.startDate
-						? this.formatDate(this.taskMetadata.startDate)
-						: undefined;
-					const dueDate = this.taskMetadata.dueDate
-						? this.formatDate(this.taskMetadata.dueDate)
-						: undefined;
-					const scheduledDate = this.taskMetadata.scheduledDate
-						? this.formatDate(this.taskMetadata.scheduledDate)
-						: undefined;
-					// Priority/project/context
-					const priorityVal =
-						this.taskMetadata.priority !== undefined && this.taskMetadata.priority !== null
-							? String(this.taskMetadata.priority)
-							: undefined;
-					const projectVal = this.taskMetadata.project || undefined;
-					const contextVal = this.taskMetadata.context || undefined;
-					// Repeat from recurrence
-					const repeatVal = this.taskMetadata.recurrence || undefined;
-					// Tags: do not use recognition config at creation; only write content tags when enabled
-					const writeContentTags = !!this.plugin.settings.quickCapture.createFileMode?.writeContentTagsToFrontmatter;
-					const mergedTags = writeContentTags ? this.extractTagsFromContentForFrontmatter(content) : [];
-					// Build YAML lines
-					const yamlLines: string[] = [];
-					yamlLines.push(`status: ${JSON.stringify(statusText)}`);
-					if (dueDate) yamlLines.push(`dueDate: ${JSON.stringify(dueDate)}`);
-					if (startDate) yamlLines.push(`startDate: ${JSON.stringify(startDate)}`);
-					if (scheduledDate) yamlLines.push(`scheduledDate: ${JSON.stringify(scheduledDate)}`);
-					if (priorityVal) yamlLines.push(`priority: ${JSON.stringify(priorityVal)}`);
-					if (projectVal) yamlLines.push(`project: ${JSON.stringify(projectVal)}`);
-					if (contextVal) yamlLines.push(`context: ${JSON.stringify(contextVal)}`);
-					if (repeatVal) yamlLines.push(`repeat: ${JSON.stringify(repeatVal)}`);
-					if (mergedTags.length > 0) {
-						yamlLines.push(`tags: [${mergedTags.map((t) => JSON.stringify(t)).join(", ")}]`);
-					}
-					processedContent = `---\n${yamlLines.join("\n")}\n---\n\n${processedContent}`;
-				}
-			}
+			processedContent = await this.buildFileModeContent(
+				content,
+				processedContent
+			);
 		}
 
 		// Convert location/targetType to valid QuickCaptureOptions type
@@ -662,6 +615,153 @@ export abstract class BaseQuickCaptureModal extends Modal {
 		}
 	}
 
+	protected async buildFileModeContent(
+		rawContent: string,
+		processedContent: string,
+		options: { preview?: boolean } = {}
+	): Promise<string> {
+		const createFileMode =
+			this.plugin.settings.quickCapture.createFileMode;
+		const useTemplate = !!createFileMode?.useTemplate;
+
+		if (useTemplate) {
+			const templatePath = createFileMode?.templateFile?.trim();
+			if (templatePath) {
+				const templateFile =
+					this.app.vault.getAbstractFileByPath(templatePath);
+				if (templateFile instanceof TFile) {
+					try {
+						const templateContent =
+							await this.app.vault.read(templateFile);
+						const merged = this.mergeContentIntoTemplate(
+							templateContent,
+							processedContent
+						);
+						return this.ensureMinimalFrontmatter(merged);
+					} catch (error) {
+						console.error(
+							"Failed to read quick capture template:",
+							error
+						);
+						if (!options.preview) {
+							new Notice(
+								`${t("Failed to read template file:")} ${templatePath}`
+							);
+						}
+					}
+				} else if (!options.preview) {
+					new Notice(
+						`${t("Template file not found:")} ${templatePath}`
+					);
+				}
+			} else if (!options.preview) {
+				new Notice(
+					t(
+						"Template file is not configured for Quick Capture file mode."
+					)
+				);
+			}
+		}
+
+		const hasFrontmatter = processedContent
+			.trimStart()
+			.startsWith("---");
+		if (useTemplate && hasFrontmatter) {
+			return processedContent;
+		}
+
+		if (useTemplate) {
+			return this.ensureMinimalFrontmatter(processedContent);
+		}
+
+		return this.buildFullFrontmatter(processedContent, rawContent);
+	}
+
+	private mergeContentIntoTemplate(
+		templateContent: string,
+		captureContent: string
+	): string {
+		if (!templateContent) {
+			return captureContent;
+		}
+
+		const placeholderRegex = /\{\{\s*CONTENT\s*\}\}/gi;
+		if (placeholderRegex.test(templateContent)) {
+			return templateContent.replace(placeholderRegex, captureContent);
+		}
+
+		const trimmedTemplate = templateContent.trimEnd();
+		const separator = trimmedTemplate ? "\n\n" : "";
+		return `${trimmedTemplate}${separator}${captureContent}`;
+	}
+
+	private ensureMinimalFrontmatter(content: string): string {
+		const trimmed = content.trimStart();
+		if (trimmed.startsWith("---")) {
+			return content;
+		}
+		const statusText = this.mapStatusToText(this.taskMetadata.status);
+		return `---\nstatus: ${JSON.stringify(
+			statusText
+		)}\n---\n\n${content}`;
+	}
+
+	private buildFullFrontmatter(
+		processedContent: string,
+		rawContent: string
+	): string {
+		const trimmed = processedContent.trimStart();
+		if (trimmed.startsWith("---")) {
+			return processedContent;
+		}
+
+		const statusText = this.mapStatusToText(this.taskMetadata.status);
+		const startDate = this.taskMetadata.startDate
+			? this.formatDate(this.taskMetadata.startDate)
+			: undefined;
+		const dueDate = this.taskMetadata.dueDate
+			? this.formatDate(this.taskMetadata.dueDate)
+			: undefined;
+		const scheduledDate = this.taskMetadata.scheduledDate
+			? this.formatDate(this.taskMetadata.scheduledDate)
+			: undefined;
+		const priorityVal =
+			this.taskMetadata.priority !== undefined &&
+			this.taskMetadata.priority !== null
+				? String(this.taskMetadata.priority)
+				: undefined;
+		const projectVal = this.taskMetadata.project || undefined;
+		const contextVal = this.taskMetadata.context || undefined;
+		const repeatVal = this.taskMetadata.recurrence || undefined;
+		const writeContentTags =
+			!!this.plugin.settings.quickCapture.createFileMode
+				?.writeContentTagsToFrontmatter;
+		const mergedTags = writeContentTags
+			? this.extractTagsFromContentForFrontmatter(rawContent)
+			: [];
+
+		const yamlLines: string[] = [];
+		yamlLines.push(`status: ${JSON.stringify(statusText)}`);
+		if (dueDate) yamlLines.push(`dueDate: ${JSON.stringify(dueDate)}`);
+		if (startDate) yamlLines.push(`startDate: ${JSON.stringify(startDate)}`);
+		if (scheduledDate)
+			yamlLines.push(`scheduledDate: ${JSON.stringify(scheduledDate)}`);
+		if (priorityVal)
+			yamlLines.push(`priority: ${JSON.stringify(priorityVal)}`);
+		if (projectVal) yamlLines.push(`project: ${JSON.stringify(projectVal)}`);
+		if (contextVal) yamlLines.push(`context: ${JSON.stringify(contextVal)}`);
+		if (repeatVal) yamlLines.push(`repeat: ${JSON.stringify(repeatVal)}`);
+		if (mergedTags.length > 0) {
+			yamlLines.push(
+				`tags: [${mergedTags
+					.map((t) => JSON.stringify(t))
+					.join(", ")}]`
+			);
+		}
+
+		return `---\n${yamlLines.join("\n")}\n---\n\n${processedContent}`;
+	}
+
 	/**
 	 * Extract #tags from content for frontmatter tags array
 	 * Simple regex scan; remove leading '#', dedupe
diff --git a/src/components/features/quick-capture/modals/QuickCaptureModalWithSwitch.ts b/src/components/features/quick-capture/modals/QuickCaptureModalWithSwitch.ts
index 25c69a1d..8fd6144d 100644
--- a/src/components/features/quick-capture/modals/QuickCaptureModalWithSwitch.ts
+++ b/src/components/features/quick-capture/modals/QuickCaptureModalWithSwitch.ts
@@ -591,10 +591,17 @@ export class QuickCaptureModal extends BaseQuickCaptureModal {
 			}
 		} else {
 			if (this.previewPlainEl) {
-				const finalContent = this.computeFileModePreviewContent(
-					this.capturedContent
+				const snapshot = this.capturedContent;
+				void this.computeFileModePreviewContent(snapshot).then(
+					(finalContent) => {
+						if (
+							this.previewPlainEl &&
+							this.capturedContent === snapshot
+						) {
+							this.previewPlainEl.textContent = finalContent;
+						}
+					}
 				);
-				this.previewPlainEl.textContent = finalContent;
 			}
 		}
 	}
@@ -602,44 +609,13 @@ export class QuickCaptureModal extends BaseQuickCaptureModal {
 	/**
 	 * Build preview content for file mode by mirroring saveContent's file-mode processing
 	 */
-	private computeFileModePreviewContent(content: string): string {
-		let processedContent = this.processContentWithMetadata(content);
-		const hasFrontmatter = processedContent.trimStart().startsWith("---");
-		const useTemplate = !!this.plugin.settings.quickCapture.createFileMode?.useTemplate;
-		if (useTemplate) {
-			if (!hasFrontmatter) {
-				const statusText = this.mapStatusToText(this.taskMetadata.status);
-				processedContent = `---\nstatus: ${JSON.stringify(statusText)}\n---\n\n${processedContent}`;
-			}
-		} else {
-			if (!hasFrontmatter) {
-				const statusText = this.mapStatusToText(this.taskMetadata.status);
-				const startDate = this.taskMetadata.startDate ? this.formatDate(this.taskMetadata.startDate) : undefined;
-				const dueDate = this.taskMetadata.dueDate ? this.formatDate(this.taskMetadata.dueDate) : undefined;
-				const scheduledDate = this.taskMetadata.scheduledDate ? this.formatDate(this.taskMetadata.scheduledDate) : undefined;
-				const priorityVal = this.taskMetadata.priority !== undefined && this.taskMetadata.priority !== null ? String(this.taskMetadata.priority) : undefined;
-				const projectVal = this.taskMetadata.project || undefined;
-				const contextVal = this.taskMetadata.context || undefined;
-				const repeatVal = this.taskMetadata.recurrence || undefined;
-				// Tags: do not use recognition config at creation; only write content tags when enabled
-				const writeContentTags = !!this.plugin.settings.quickCapture.createFileMode?.writeContentTagsToFrontmatter;
-				const mergedTags = writeContentTags ? this.extractTagsFromContentForFrontmatter(content) : [];
-				const yamlLines: string[] = [];
-				yamlLines.push(`status: ${JSON.stringify(statusText)}`);
-				if (dueDate) yamlLines.push(`dueDate: ${JSON.stringify(dueDate)}`);
-				if (startDate) yamlLines.push(`startDate: ${JSON.stringify(startDate)}`);
-				if (scheduledDate) yamlLines.push(`scheduledDate: ${JSON.stringify(scheduledDate)}`);
-				if (priorityVal) yamlLines.push(`priority: ${JSON.stringify(priorityVal)}`);
-				if (projectVal) yamlLines.push(`project: ${JSON.stringify(projectVal)}`);
-				if (contextVal) yamlLines.push(`context: ${JSON.stringify(contextVal)}`);
-				if (repeatVal) yamlLines.push(`repeat: ${JSON.stringify(repeatVal)}`);
-				if (mergedTags.length > 0) {
-					yamlLines.push(`tags: [${mergedTags.map((t) => JSON.stringify(t)).join(", ")}]`);
-				}
-				processedContent = `---\n${yamlLines.join("\n")}\n---\n\n${processedContent}`;
-			}
-		}
-		return processedContent;
+	private async computeFileModePreviewContent(
+		content: string
+	): Promise<string> {
+		const processedContent = this.processContentWithMetadata(content);
+		return this.buildFileModeContent(content, processedContent, {
+			preview: true,
+		});
 	}
 
 	/**
diff --git a/src/components/features/settings/tabs/QuickCaptureSettingsTab.ts b/src/components/features/settings/tabs/QuickCaptureSettingsTab.ts
index a0332c6e..53f81905 100644
--- a/src/components/features/settings/tabs/QuickCaptureSettingsTab.ts
+++ b/src/components/features/settings/tabs/QuickCaptureSettingsTab.ts
@@ -1,6 +1,7 @@
-import { Setting, Notice } from "obsidian";
+import { Setting, Notice, TFile, TFolder } from "obsidian";
 import { TaskProgressBarSettingTab } from "@/setting";
 import { t } from "@/translations/helper";
+import { FolderSuggest } from "@/components/ui/inputs/AutoComplete";
 
 export function renderQuickCaptureSettingsTab(
 	settingTab: TaskProgressBarSettingTab,
@@ -335,7 +336,7 @@ export function renderQuickCaptureSettingsTab(
 		.setName(t("Use template for new files"))
 		.setDesc(
 			t(
-				"When File mode is used, ensure the new file has frontmatter; if enabled, only frontmatter is auto-inserted when missing."
+				"When File mode is used, create the new note from a template and then insert the captured content."
 			)
 		)
 		.addToggle((toggle) =>
@@ -392,17 +393,100 @@ export function renderQuickCaptureSettingsTab(
 
 	// Template file path
 	if (createFileMode.useTemplate) {
+		const templateFolderPath = (createFileMode.templateFolder || "").trim();
+		const folderFile = templateFolderPath
+			? settingTab.app.vault.getAbstractFileByPath(templateFolderPath)
+			: null;
+		const folderExists = folderFile instanceof TFolder;
+		const templateFiles: TFile[] = [];
+
+		if (folderExists) {
+			const collectMarkdownFiles = (folder: TFolder) => {
+				for (const child of folder.children) {
+					if (child instanceof TFolder) {
+						collectMarkdownFiles(child);
+					} else if (
+						child instanceof TFile &&
+						child.extension.toLowerCase() === "md"
+					) {
+						templateFiles.push(child);
+					}
+				}
+			};
+			collectMarkdownFiles(folderFile);
+			templateFiles.sort((a, b) => a.path.localeCompare(b.path));
+		}
+
 		new Setting(containerEl)
-			.setName(t("Template file"))
-			.setDesc(t("Template file to use for new files"))
-			.addText((text) =>
+			.setName(t("Template folder"))
+			.setDesc(
+				folderExists || !templateFolderPath
+					? t("Folder that contains Quick Capture templates for File mode.")
+					: t("Selected folder was not found in the vault.")
+			)
+			.addText((text) => {
 				text
-					.setValue(createFileMode.templateFile || "")
+					.setPlaceholder(t("Templates/Quick Capture"))
+					.setValue(createFileMode.templateFolder || "")
 					.onChange(async (value) => {
-						createFileMode.templateFile = value;
+						const previous = createFileMode.templateFolder || "";
+						const normalized = value.trim();
+						createFileMode.templateFolder = normalized;
+						if (previous !== normalized) {
+							createFileMode.templateFile = "";
+						}
 						settingTab.applySettingsUpdate();
-					})
-			);
+						setTimeout(() => {
+							settingTab.display();
+						}, 100);
+					});
+
+				new FolderSuggest(
+					settingTab.app,
+					text.inputEl,
+					settingTab.plugin,
+					"single"
+				);
+			});
+
+		new Setting(containerEl)
+			.setName(t("Template note"))
+			.setDesc(
+				!templateFolderPath
+					? t("Select a template folder above to enable the dropdown.")
+					: !folderExists
+					? t("Template folder is invalid; update the folder to continue.")
+					: templateFiles.length > 0
+					? t(
+							"Choose the note that should be copied; {{CONTENT}} placeholders are replaced, otherwise the captured text is appended."
+						)
+					: t("No markdown notes were found in the selected folder.")
+			)
+			.addDropdown((dropdown) => {
+				dropdown.addOption("", t("None"));
+
+				const existingTemplate = createFileMode.templateFile || "";
+				if (
+					existingTemplate &&
+					!templateFiles.some((file) => file.path === existingTemplate)
+				) {
+					dropdown.addOption(existingTemplate, existingTemplate);
+				}
+
+				for (const file of templateFiles) {
+					dropdown.addOption(file.path, file.basename);
+				}
+
+				dropdown.setValue(createFileMode.templateFile || "");
+				dropdown.onChange(async (value) => {
+					createFileMode.templateFile = value;
+					settingTab.applySettingsUpdate();
+				});
+
+				if (!templateFiles.length || !folderExists) {
+					dropdown.selectEl.disabled = true;
+				}
+			});
 	}
 
 	// Minimal mode settings