Google Play personal loans policy: fixes and checks

You don’t have to issue the loan yourself to fall under this policy. Google covers direct lenders, lead generators, and apps connecting consumers with third-party lenders. We’d identify every offer reachable through the app before checking its terms.

Compare the loan with the listing

Use the Finance category and disclose minimum/maximum repayment periods, maximum APR or the applicable comparable rate, a representative total-cost example, and an accurate privacy policy. Google prohibits personal loans requiring full repayment within 60 days or less.

For US personal loans, the policy prohibits APR of 36% or higher. This differs from Apple’s wording, so don’t reuse the same threshold explanation for both stores.

Check data access and documentation

Google’s restrictions extend to loan-related and credit-support apps, including specified calculators and guides, and earned-wage-access apps. The policy prohibits listed sensitive permissions, including contacts, broad photos/video/storage access, precise location, phone numbers, and broad installed-app visibility. Inspect the final bundle for permissions added by dependencies.

Check each country’s additional requirements

The current rule lists additional documentation for the United States, India, Indonesia, the Philippines, Nigeria, Kenya, Pakistan, and Thailand. Requirements differ: some connect eligibility to a regulator’s published list, some require partner documentation, and some require specific public disclosures. Read the section for every market you target and obtain qualified advice about the actual lending arrangement.

Verify before resubmitting

Test offer selection, every fee and repayment calculation, geographic availability, and the permissions in the submitted build. Make the declaration, listing, and provider documents agree. Give Google evidence linking your developer account to the lender or licensed partner, with sensitive documents submitted through its designated process.