Pre-approved loan offer WhatsApp template

A pre-approved loan offer template tells an existing customer they’re eligible for a loan and how to check the terms. It’s a Marketing template, so send it only to customers who opted in to offers, with an easy way to say no. Keep the terms honest and in the app.

Category MarketingSend Opted-in customers onlyVersions 3
Use this template See all 3 versions
Y
Your lenderBusiness account
Today
IMAGEHi Anjali, as a valued customer you are pre-approved for a personal loan of up to ₹3,00,000. Check your rate and EMI in the app before you decide. Final approval is subject to verification.Reply STOP to opt out of offers10:00Check my offerNot interested

Copy-ready templates

Three versions, by type of offer

1

Pre-approved personal loan

For existing customers with a good repayment record.

Category
Marketing
Language
English (en)
Header
Image: offer banner
Footer
Reply STOP to opt out of offers
Buttons
Visit website: “Check my offer”
Quick reply: “Not interested”
Hi {{1}}, as a valued customer you are pre-approved for a personal loan of up to ₹{{2}}. Check your rate and EMI in the app before you decide. Final approval is subject to verification.
IMAGEHi {{1}}, as a valued customer you are pre-approved for a personal loan of up to ₹{{2}}. Check your rate and EMI in the app before you decide. Final approval is subject to verification.Reply STOP to opt out of offers10:00Check my offerNot interested
2

Top-up on an existing loan

For borrowers with a running home or business loan.

Category
Marketing
Language
English (en)
Header
None
Footer
Reply STOP to opt out of offers
Buttons
Visit website: “See top-up terms”
Quick reply: “Not interested”
Hi {{1}}, based on your repayment record on loan ending {{2}}, you can apply for a top-up of up to ₹{{3}}. See the rate, fees and EMI in the app first.
Hi {{1}}, based on your repayment record on loan ending {{2}}, you can apply for a top-up of up to ₹{{3}}. See the rate, fees and EMI in the app first.Reply STOP to opt out of offers10:00See top-up termsNot interested
3

Festive season reminder

A seasonal version for opted-in customers.

Category
Marketing
Language
English (en)
Header
None
Footer
Reply STOP to opt out of offers
Buttons
Visit website: “Check my offer”
Quick reply: “Not interested”
Hi {{1}}, planning for {{2}}? Your pre-approved loan of up to ₹{{3}} is available until {{4}}. Check the full terms in the app before applying.
Hi {{1}}, planning for {{2}}? Your pre-approved loan of up to ₹{{3}} is available until {{4}}. Check the full terms in the app before applying.Reply STOP to opt out of offers10:00Check my offerNot interested

Variables

What each variable means

VariableWhat goes in itSample valueUsually comes from
{{1}}Customer’s first nameAnjaliCRM
{{2}}Offer amount (version 2: loan last 4; version 3: occasion)3,00,000Your offer engine
{{3}}Top-up amount (version 3: amount)5,00,000Your offer engine
{{4}}Offer valid until (version 3)31 Oct 2026Campaign plan
Only send to customers whose marketing opt-in you can show. A Utility opt-in for loan updates doesn’t cover offers.

Meta category

Why this is Marketing, and how to send it well

Any message that promotes a product is Marketing, even to an existing customer. That means a higher Meta charge, marketing opt-in, and Meta’s per-user limits on marketing messages.

The upside is that it can carry an image, a seasonal hook and a clear call to action. Write it so it’s easy to say no: customers who can’t opt out block the number, and blocks hurt your Utility messages too.

What not to doDon’t disguise it as Utility by adding it to an EMI reminder. Meta re-categorises such templates, and customers learn to ignore your service messages.

Timing

When to send it

  1. 1
    Weekday, 11 am to 1 pm or 6 to 8 pmVersion 1 or 2.Opted-in only
  2. 2
    Festive periodsVersion 3, once.
  3. 3
    “Not interested”Stop offers to that customer for at least 90 days.

Meta limits how many marketing messages one person receives from businesses. Fewer, better-targeted offers get delivered more reliably than frequent blasts; see WhatsApp’s marketing message limits.

Approval

Why pre-approved loan offer templates get rejected

Promising approval

“Approval assured” wording is misleading and against fair lending practice. Say “pre-approved, subject to verification”.

No opt-out

A marketing template without a way to stop gets blocked more. Add a STOP footer or a “Not interested” button.

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.

Rate in fixed text

Rates vary by customer. Show them in the app, not in the template.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Upload the opted-in, eligible segment from your offer engine and send version 1 as a scheduled campaign.

No codeJourney or Zapier

Run the campaign from ChatGPT or Claude with the SAMWAD connector: it counts the opted-in audience and sends only after you confirm.

DevelopersAPI from your system

Your offer engine calls SAMWAD per eligible customer, so each offer amount is personal.

# For opted-in, eligible customers only
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "pre_approved_personal_loan",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Anjali" },
      { "type": "text", "text": "3,00,000" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "OFR-29011" }] }]
}

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

Interested customers reply with questions. YARA can explain the product and eligibility from your FAQs, and passes rate negotiations and approvals to your sales team. It never promises approval.

Compliance note for loan offers

  • Marketing opt-in. Send only to customers who agreed to receive offers on WhatsApp, separate from loan updates.
  • Pre-approved isn’t approved. Say final approval is subject to verification, and show the rate, fees and EMI before the customer applies.
  • Honour opt-outs. Stop offers when a customer says no or replies STOP, and record it.
  • 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: getting opt-in · Meta: template categorization

FAQ

Pre-approved loan offer 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 pre-approved loan offer Utility or Marketing?

Marketing. Any message that promotes a product is Marketing, even to an existing customer.

Can we send offers to all borrowers?

Only to those who opted in to marketing messages on WhatsApp.

Can we promise approval?

No. Say pre-approved, subject to verification, and show the full terms before they apply.

How often can we send offers?

Sparingly. Meta limits marketing messages per person, and frequent offers raise blocks.

Use it with these templates

All financial services templates →
UtilityEMI payment received templateConfirm every EMI payment with the amount and the next due date.See the template →UtilityLoan closure NOC templateConfirm closure, send the NOC and say when documents can be collected.See the template →UtilityLoan application received templateConfirm the application the moment it’s submitted, with a reference and next step.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 →

Use this template

Send this template to your borrowers this week.

Start a free trial, submit the template with SAGE checking it against Meta’s rules, and send it to your opted-in customers.

Use this template

For larger teams

Lending at scale?

Several numbers, your loan system connected through the API, YARA answering borrower questions, and on-prem or VPC AI for regulated teams.

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