High APR Personal Loans (US specific)

Financial products and services

Google provides translated versions of the Advertising Policies Help Center, though they're not meant to change the content of the policies. The English version is the official language used to enforce Google Ads policies. To view this article in a different language, use the language dropdown at the bottom of the page.

Google is committed to helping users make informed financial decisions. Google Ads policies are designed to provide users with the information they need to weigh the costs of financial products and services and to protect them from harmful or deceptive practices.

Learn more about the Financial products and services policy.

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.

On this page

About the policy
Ad serving for High APR Personal Loans content
Options to fix

Google wants to protect users from deceptive or harmful financial products like ultra high-cost personal loans.

Google doesn’t allow ads for personal loans with an APR of 36% or above in the United States (US). This policy applies to advertisers who make loans directly, lead generators, and those who connect consumers with third-party lenders.

Ensure that you prominently disclose the Annual Percentage Rate (APR) of the promoted loan products. 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.

Ad serving for High APR Personal Loans content

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)”.

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).

Edit your ads to comply with this policy

Go to Ads within the Campaigns menu.
Hover over the ad or asset and select Edit.
Edit the ad or asset so that it complies with the policy.
Select Save.

Your ad will be automatically reviewed again. To check the ad or asset status, review the “Status” column. If you hover over each status, you’ll notice a more detailed explanation of what the status means.

Learn more about how to Fix an ad with policy violations.

Appeal policy decision

If you believe there’s been an error and that you haven’t violated Google Ads' policies, appeal the policy decision directly from your Google Ads account to request a review. If the review determines that your ads are compliant, they can run again. 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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