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Learn more about the Financial products and services policy.
If your business model is that of personal loans, your ads must always be compliant with the Personal Loans policy regardless of the targeted location.
For this policy, we define personal loans as lending money from one individual, organization, or entity to an individual consumer on a nonrecurring, or “one-off”, basis, not for the purpose of financing the purchase of a fixed asset or education.
Personal loan consumers require information about the quality, features, fees, risks, and benefits of loan products to make informed decisions about whether to undertake the loan.
- Examples (non-exhaustive): Payday loans, auto title loans, pawn shops, military loans, tax loans, medical or fertility loans, cash advance loans
- Not included: Mortgages, car (or other vehicle) loans, student loans, business or agricultural loans, revolving lines of credit (such as credit cards, personal lines of credit), US Veterans Affairs loans or US Federal Housing Administration loans
Disclosures increase transparency and provide consumers with valuable information to make informed decisions. Only personal loans that require repayment in full in 61 days or longer are allowed. This applies to advertisers who offer loans directly, advertisers who are lead generators, and those who connect consumers with third-party lenders.
Advertisers promoting personal loans must prominently disclose all of the following information on their landing page or app:
- Minimum and maximum period for repayment
- Maximum Annual Percentage Rate (APR), which generally includes interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law. Must be separate from the representative example discussed below.
- A representative example of the total cost of the loan, including all applicable fees
Options to fix
If this policy is affecting your ad, review your options to fix below.
Prominently disclose the required information on your landing page
- The minimum and maximum repayment period
- The maximum Annual Percentage Rate (APR) which must be separate from the representative example, and
- A representative example of the total cost of the loan, including all applicable fees.
If you have confirmed that you are only advertising loans which are permitted under this policy, after the modifications to your landing page are done, appeal the policy decision using the “Made changes to comply with policy” button directly from your Google Ads account to request a review.
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.