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Payday Loans Ad Ban

Back in May 2016 Google made an announcement that they will be going to war with Payday loans and will therefore ban them from being able to use the Google AdWords network to attract new customers. Google defines a Payday loan as one that requires payment within 60 days and has an interest rate of over 35%.

The ban was meant to come into effect from 13 July 2016 but there was a delay in rolling it out and many users reported still seeing these adverts appearing in search.

Google confirmed that there had been a delay and that it is now rolling out, so over the coming weeks you will notice these adverts disappear.

It will take several weeks to implement as Google will often need to refer to the advertisers website in order to assess whether the loan being promoted is indeed a ‘payday loan’

Just worth noting regarding the bans. The policy change regarding high interest rate loans ONLY applies to US advertisers but the one that refers to a 60 day or less payback is global and will apply to all countries Google currently operates it’s AdWords system.

This is the actual policy change from Google regarding short-term payday loans;

“Personal loans which require repayment in full in 60 days or less from the date the loan is issued (we refer to these as ‘Short-term personal loans’). This policy applies to advertisers who offer loans directly, lead generators, and those who connect consumers with third-party lenders.”

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