Why it happens
Financial services verification not completed
Financial services verification not completed
In countries where Google requires it, ads for financial products do not run until the advertiser is verified.
Missing disclosures on the landing page
Personal loan and credit ads need the physical business address, all fees, repayment periods and the maximum APR with a representative example.
A prohibited or certified-only product
Credit repair, binary options and US personal loans at 36% APR or more are banned. Debt services, CFDs, forex and prediction markets need certification.
How to fix it, step by step
Find the exact policy topic
Go to Campaigns, then Ads, and hover the Disapproved or Eligible (limited) label in the Status column. It names the policy and the part of the ad it applies to. Tools, then Troubleshooting, then Policy manager lists every affected ad in one place.
Complete financial services verification
If the disapproval names verification, complete it from the account's advertiser verification section with your regulatory details.
Add the required disclosures
Put fees, APR range, repayment terms and your physical address on the landing page, visible without digging.
Resubmit or appeal
Saving an edited ad resubmits it for review. If you think the call was wrong, or the change was made outside the ad, open Policy manager, choose Appeal and pick Dispute decision or Made changes to comply with policy. Each ad gets 3 appeals, and only decisions from the last 6 months can be appealed from the account.
Steps checked against Google Ads policy help: Financial services; Google Ads Help: Fix a disapproved ad or appeal a policy decision.
Sprites diagnoses this
Sprites diagnoses it
Sprites shows which ads the financial services policy caught and whether the cause is the ad or the business.
What Sprites does
- Reads the policy status of your ads and lists every one disapproved under financial services.
- Rewrites ad text that makes claims the policy restricts, once you approve.
What it doesn't do
- It does not complete financial services verification or submit certification forms.
- It does not add disclosures to your landing page or file appeals.
Questions
What is Google Ads financial services verification?
A check that the advertiser is authorized by the local regulator to offer the financial product. In countries that require it, ads do not run until it is complete.
Can I advertise crypto on Google Ads?
Only in some countries and with Google certification for the specific product type. Check the cryptocurrencies section of the financial services policy for your market.
Why was my loan ad disapproved?
Most often the landing page is missing the APR, fees, repayment terms or business address, or the loan exceeds 36% APR in the US.
Can a financial services violation suspend my account?
Yes, after a warning. Google gives at least 7 days notice before suspending for this policy.
See where it breaks
Connect your accounts. Sprites reads them side by side and shows you exactly where the numbers split.