Financial products and services: High APR Personal Loans (US specific)

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We want users to have adequate information to make informed financial decisions. Our policies are designed to give users information to weigh the costs associated with financial products and services, and to protect users from harmful or deceitful practices.

Learn more about the Financial products and services policy.

We want to protect our users from deceptive or harmful financial products, such as ultra high-cost personal loans.

We do not allow ads for personal loans with an APR of 36% and above in the US. This policy applies to advertisers who make loans directly, lead generators, and those who connect consumers with third-party lenders.

Ads promoting high APR personal loans that target non-US locations are eligible to serve. If your ads target both US and non-US locations, or just non-US locations, their serving status will show as Eligible (limited).

Strikes are issued to your Google Ads account when you violate certain Google Ads policies. An account can receive a maximum of one warning and 3 strikes per certain policy violations. The third strike will result in an account suspension. Learn more About enforcement procedures for repeat violations. This strike-based system applies to the Personal loans policy.

Options to fix

If this policy is affecting your ad, review your options to fix below.

Prominently disclose APR

Ensure that you prominently disclose the Annual Percentage Rate (APR) of the promoted loan products. To promote personal loans in the US, ensure that the Maximum APR is below 36%, because an APR 36% or above would lead to disapproval. Maximum APR should be calculated consistently with the Truth in Lending Act (TILA).

Note: The TILA regulations can be found at 12 CFR Part 1026. The description of which charges are included and excluded from the calculation of "Finance Charge" is found in Section 1026.4. The APR calculation for "Open-End Credit" is found in Section 1026.14. The APR calculation for "Closed-End Credit" is found in Section 1026.22.

Appeal policy decision

If you've fixed your destination or believe that we've made an error, appeal the policy decision directly from your Google Ads account to request a review. After we confirm that the destination is compliant, we can approve your ads. If you aren't able to fix these violations or choose not to, remove your ad to help prevent your account from becoming suspended in the future for repeated policy violations.

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