Loan application received WhatsApp template

A loan application received template confirms that an application reached you, gives the applicant a reference number and says what happens next. Send it as a Utility template within minutes of submission, from your app, website or DSA channel.

Category UtilitySend Within minutes of submissionVersions 3
Use this template See all 3 versions
Y
Your lenderBusiness account
Today
Hi Rahul, we have received your personal loan application, reference PL-482190. Our team will review it and update you here within 2 working days. Keep this reference handy if you contact us.Reply HELP to talk to our team10:00Track application

Copy-ready templates

Three versions, by how the application came in

The job is the same in each: reassure the applicant and set the next step. What changes is who submitted it and what you need next.

1

Applied on your app or website

Sent by your loan origination system when the applicant submits.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Track application”
Hi {{1}}, we have received your {{2}} application, reference {{3}}. Our team will review it and update you here within {{4}}. Keep this reference handy if you contact us.

The “Track application” button opens your status page, with the reference added to the link as a dynamic suffix.

Hi {{1}}, we have received your {{2}} application, reference {{3}}. Our team will review it and update you here within {{4}}. Keep this reference handy if you contact us.Reply HELP to talk to our team10:00Track application
2

Submitted by a DSA or branch on the applicant’s behalf

Sent when an agent creates the application, so the applicant knows it’s genuine.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Quick reply: “Yes, that was me”
Quick reply: “I didn’t apply”
Hi {{1}}, an application for a {{2}} has been submitted in your name through {{3}}, reference {{4}}. If you did not apply, tap “I didn’t apply” and our team will look into it.

This version doubles as a fraud check. Route “I didn’t apply” replies straight to your risk team.

Hi {{1}}, an application for a {{2}} has been submitted in your name through {{3}}, reference {{4}}. If you did not apply, tap “I didn’t apply” and our team will look into it.Reply HELP to talk to our team10:00Yes, that was meI didn’t apply
3

Application received, documents needed next

Sent when the application is in but documents are still due.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Upload documents”
Hi {{1}}, thank you for applying for a {{2}}, reference {{3}}. To start the review, please upload {{4}} using the link below. It takes about 5 minutes.
Hi {{1}}, thank you for applying for a {{2}}, reference {{3}}. To start the review, please upload {{4}} using the link below. It takes about 5 minutes.Reply HELP to talk to our team10:00Upload documents

Variables

What each variable means

VariableWhat goes in itSample valueUsually comes from
{{1}}Applicant’s first nameRahulLoan origination system (LOS)
{{2}}Product applied forpersonal loanLOS product code, mapped to a readable name
{{3}}Application reference (version 2: DSA or branch name)PL-482190LOS
{{4}}Review time you can keep (version 3: documents needed)2 working daysYour service-level policy
Promise a review time your credit team actually meets. A missed promise turns this message into a complaint.

Meta category

Why this is Utility, not Marketing

Meta treats a message as Utility when it confirms or updates something the customer did. Submitting an application is exactly that, so a factual acknowledgement with a reference and next step qualifies.

Keep the template about this one application. Its job is to reassure, not to sell.

What makes it MarketingMentioning a rate offer, a credit card “you may also like”, or a referral bonus. Put any of those in a separate Marketing template, sent only to people who opted in to offers.

Timing

When to send it

  1. 1
    At submissionVersion 1 or 2, depending on the channel.Within 5 minutes
  2. 2
    Documents still dueVersion 3, if your LOS flags missing documents.Same session
  3. 3
    Decision madeSwitch to the sanction or document-pending template.

Send only one acknowledgement per application. If the applicant edits and resubmits, update the existing reference instead of sending a second confirmation.

Approval

Why loan application received templates get rejected

Variable at the start or end

Meta rejects a body that opens or closes with a variable. Every version above starts and ends with fixed words.

A vague promise

“We’ll get back to you soon” reads like a template written to pass review. Give a real time frame, or leave the time out.

Promotional words in a Utility template

“Offer”, “exclusive”, “pre-approved” or “limited time” get the template re-categorised as Marketing or rejected.

Asking for documents in the chat

Meta and your compliance team both object to collecting identity documents over WhatsApp. Version 3 links to your own upload page.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Not the right fit here. Acknowledgements need to go out within minutes of each application, not in a batch.

No codeJourney or Zapier

If your application form writes to Google Sheets or a CRM, a Zapier trigger on each new row can send version 1 through an API campaign.

DevelopersAPI from your system

Your LOS calls SAMWAD when an application is created, passing the name, product and reference.

# On application submit, from your LOS
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "loan_application_received",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Rahul" },
      { "type": "text", "text": "personal loan" },
      { "type": "text", "text": "PL-482190" },
      { "type": "text", "text": "2 working days" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "PL-482190" }] }]
}

Full request format, button parameters and webhooks: developer documentation.

When an applicant replies with a question, YARA can answer from your product FAQs, or hand the chat to your sales team in the team inbox.

Compliance note for lenders

  • Opt-in first. Send only to borrowers who agreed to WhatsApp updates, and record when and where they agreed (loan application, app or branch form).
  • Say who you are. If a DSA submitted the application, name your company, not just the agent, so the applicant knows who holds their data.
  • No identity numbers in chat. Never ask for Aadhaar, PAN or document photos on WhatsApp. Send a link to your own portal or app instead.
The sample wording on this page is a starting point, not legal advice. Have your compliance team review it before you submit.Sources: Meta: template categorization · Meta: getting opt-in

FAQ

Loan application received template FAQs

Want help setting this up for your loans? We’ll walk through it with you on a call.

Book a demo
Is a loan application acknowledgement a Utility template?

Yes. It confirms an action the applicant took, so it’s Utility as long as it contains no offer or cross-sell.

How fast should it go out?

Within a few minutes of submission. Applicants who hear nothing often apply elsewhere the same day.

Can we send it for applications made through DSAs?

Yes, and you should. Version 2 tells the applicant an application exists in their name, which also helps catch fraud.

What if the applicant replies with documents?

Thank them, don’t store identity documents from the chat, and send the upload link. Your team inbox can tag these chats for follow-up.

Use it with these templates

All financial services templates →
UtilityIncomplete loan application reminder templateBring back applicants who started but didn’t submit, without sounding like an ad.See the template →UtilityLoan document pending reminder templateName the exact document that’s missing and link to your upload page.See the template →UtilityKYC pending reminder templateGet KYC finished through your own portal, never by collecting IDs in the chat.See the template →
WhatsApp for financial services →The WhatsApp guide for lenders and insurers (free PDF) →WhatsApp EMI reminders: a guide for lenders →WhatsApp for NBFCs: templates, consent and KYC →AI agents for customer queries →

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For larger teams

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