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Google Play rejectionGoogle Play: Financial Services policy (personal loans)

Google Play’s Financial Services policy sets rules for apps that offer personal loans, lead generators and apps that connect consumers with lenders. A lending app that hides its loan terms, offers short repayment periods or reads contacts or photos breaks the policy.

Short answer

Complete the Financial features declaration in Play Console, set the app category to Finance, put the loan terms in the store listing (minimum and maximum repayment period, maximum APR and a representative total cost example), and remove access to contacts and photos. Loans must not require full repayment in 60 days or less, and US loans must stay under a 36% APR.

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Why Google Play rejected the lending app, and the fix

  1. 01

    The loan terms are missing from the listing

    “You must clearly disclose all loan terms in your app's store listing, including the maximum annual percentage rate (APR) and the minimum and maximum repayment period.” Google Play, Financial Services (Loans policy summary)

    Google Play wants the terms in the store listing itself, not only inside the app. List the minimum and maximum repayment period, the maximum APR and a representative example of the total cost.

  2. 02

    The repayment period is 60 days or less

    “Loans must not require full repayment in 60 days or less from the date the loan is issued.” Google Play, Financial Services (Loans policy summary)

    Short-term personal loans are not allowed on Google Play. Every loan the app offers needs a repayment period longer than 60 days from the date it is issued.

  3. 03

    The app reads contacts or photos

    “lending apps are prohibited from accessing sensitive user data such as contacts or photos.” Google Play, Financial Services (Loans policy summary)

    Personal loan apps can’t access sensitive data such as photos and contacts. Google lists prohibited permissions including READ_CONTACTS, READ_MEDIA_IMAGES, READ_MEDIA_VIDEO, READ_EXTERNAL_STORAGE, ACCESS_FINE_LOCATION and READ_PHONE_NUMBERS. Remove them from the manifest and from any SDK that adds them, then upload a new build.

  4. 04

    The US APR is 36% or higher, or the declaration is missing

    “Any app that contains any financial features must complete the Financial features declaration form within Play Console.” Google Play, Financial Services

    Also check: US personal loan apps must stay under a 36% APR and show the maximum APR, and any app with financial features must complete the Financial features declaration in Play Console.

Checked against the vendor’s docs on : Google Play Help: Financial Services policy.

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Related: Google Play Contacts permission · Google Play photo and video permissions · Google Play Data safety form rejected · Google Play invalid privacy policy

Questions

More on this launch

Does the policy cover apps that only refer users to lenders?

Yes. For the United States, Google Play says the rules apply to apps that offer loans directly, lead generators, and apps that connect consumers with third-party lenders.

How is APR calculated for the listing?

Google Play describes APR as generally the interest rate plus fees and other costs for a year, and US apps must calculate it consistently with the Truth in Lending Act (TILA).

Can you fix it for me?

If one bug is the whole problem, the App Fix Ticket covers it: a written diagnosis first, then the fix. If the app has more going on, the Launch Check is a written check of the whole app. Each issue found is rated critical, high, medium or low, with where it is and how it was confirmed. No issues worth fixing, no charge. If the Launch Check finds nothing rated medium or higher, Simon refunds the full $450. You keep the report either way. This applies to the first 10 Launch Checks bought after October 30, 2026.

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