Category: Google


ACH for State and Tribe Lenders-Google Payday Loans

Wondering why payday loan ads are still showing in Google Adwords?

[Now Available for tribe and state lenders: ACH, credit card payments, Image Cash Letters (ICL) and ACH transaction verification for NACHA compliance. 24+ banks signed on. Email ]

I just checked my Google search results for “payday loan” on both my cell phones, my laptops, my desktop computers and my iPad. Payday loan ads are still showing. [Confession: I owe Check-N-Go roughly $12 because I clicked on their Google PPC ad. SORRY!]

Google delayed implementation of their new Google PPC adwords program an additional week. And, they’re “rolling it out” in a piecemeal fashion.

Here’s a link to Google’s official Policy Page: Google Payday Loan Adwords Policy.

In a nutshell, this is big brother Google’s payday loan guidelines:

  • When promoting financial services and products, you must comply with state and local regulations for any region that your ads target — for example, include specific disclosures required by local law.
  • Your ad may be disapproved for:
  • Failure to provide legitimate contact information for a physical location for the business being promoted
  • Failure to disclose associated fees
  • Failure to include links to third-party accreditation or endorsement where affiliation is asserted or implied, particularly when it serves to improve the reputation of the site


Personal Loans: Google defines personal loans as “lending money from one individual, organization, or entity to an individual consumer on a non-recurring basis, not for the purpose of financing purchase of a fixed asset or education. Personal loan consumers require information about the quality, features, fees, risks, and benefits of loan products in order to make informed decisions about whether to undertake the loan.”

  • Examples: Payday loans, title loans, pawnshops
  • Not included:: Mortgages, car loans, student loans, revolving lines of credit (such as credit cards, personal lines of credit)

“Advertisers for personal loans must prominently disclose additional information on their destination site or app.”

  • Your ad may be disapproved for:
  • Failure to provide minimum and maximum period for repayment
  • Failure to provide maximum Annual Percentage Rate (APR), which generally includes interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law. [What about tribe – sovereign nation lenders?]
  • Failure to display a representative example of the total cost of the loan, including all applicable fees
  • We want to protect our users from deceptive or harmful financial products.
  • We do not allow the promotion of:
  • 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.

High APR Personal Loans

  • “In the United States, we do not allow ads for personal loans where the Annual Percentage Rate (APR) is 36% or higher. Advertisers for personal loans in the United States must display their maximum APR, calculated consistently with the Truth in Lending Act (TILA).This policy applies to advertisers who make loans directly, lead generators, and those who connect consumers with third-party lenders.”

So… what about tribe payday lenders? What has Google decided is their fate?


Google Payday Loan Algorithm Change Coming

Search Engine Land posted a piece on the next Google Panda update. “It is unclear exactly what this is an update for. Is it in response to an update on the PayDay algorithm or maybe the softer Panda update? We asked Matt Cutts and Google to clarify but Google won’t clarify.”

2 weeks ago, Google’s Matt Cutts made reference to payday loan “spammy quiries” taking place and the need for a change in Google’s algorithm.

The following week, payday loan hackers made great fun of Google’s in-house pitch man and did this:

Get a payday loan from Google's Matt Cutts

Get a payday loan from Google’s Matt Cutts

What’s the take away? Don’t mess with “The Black Hats.” Then again, I wouldn’t advise messing with Google. In fact, don’t mess with either. It could be bad for your $$ health!


Why Google Hates Payday Loans (But Loves Profiting from Them) More Thoughts

Why Google Hates Payday Loans (But Loves Profiting from Them)

From an anonymous search engine marketing company working in the payday loan space. Published anonymously to avoid possible retribution from Google or other companies.
Not only Google loves to hate payday loans but so does banks and credit unions.


Google has taken some dramatic steps in recent months to address quality issues in its search results. Since the beginning of 2012, Search Plus Your World, Panda 3.2, Ads Above the Fold, Venice, Panda 3.3, Panda 3.4, Panda 3.5, Penguin, Panda 3.6, Knowledge Graph, and Penguin 1.1 updates have all been rolled out in addition to countless other changes to ranking factors, the algorithm, and the search results page.

So why are the results to some search queries still so bad?

Payday loans, while much maligned, are a credit product that some un-banked and under-banked Americans are forced to rely on. Regardless of its politics or opinion of the product, as the arbiter of search, it should be Google’s goal to serve the highest quality, most relevant, and authoritative results to its users in the organic results, in the local results, and in the paid results.

Google is miserably failing to accomplish this.

To illustrate, let’s take a look at the first two pages of results for the query “payday loans.”

What is a user’s intent when entering this query? While it could… Click here to read the Article