Short term loans and FB

Hi guys, I am turning to you for some advice regarding one of our projects. We have a Client who provides short term loans 3-6 months with 15% interest rate p/m and requires an asset of value as guarantee for granting the loan. So far his services are restricted to one very small country and for about a year we have been running ads for him on Facebook (this was like a gold mine for him and we had really good conversions).

About a month ago Facebook unpublished the page stating that recent activity violated the T&Cs. We appealed but to no surprise 4 weeks later no reply. We set up another page with some alterations to the info and ads and some page restrictions so as to try and bypass this and today (1month in) unpublished again.

The setup was simple: page with some posts (not frequent posting) and simply using FB to deliver Reach and Messenger ads.

Is FB classifying this as payday loans? I was able to find a way around it with Adsense but not FB...

Any suggestions on ways to implement this page and keep it under the radar?

What i find strange is that it took them 1 year to do this knowing that the whole ban on such ads came about it 2016 if I am not wrong...So why now? We did not alter our strategy significantly along the way.

We were not able to get any response from FB on this issue so left to guess for the possible causes behind the ban..

any comments appreciated..

There could be numerous reasons why you could've been banned:

1. If you are doing short-term lending, are you making the terms of the APR clear in your landing page?

Take a look at this:



They could deem this as low quality.

2. Were your ads compliant?
3. Did you have a privacy policy/cookies/terms/contact us page?
4. Were there any unsubstantiated claims?

The appeals process for facebook is difficult, but you have to keep on trying. It would be wise to open up another account as well as a backup .

Thread moved.

Hi Kasher and thanks for the reply.. to answer your questions:

I did read all the Facebook terms and policies after the first ban and identified the same clauses as possible violations on the original page.
Now when I set up page 2 a month ago I implemented all the changes that could tie to these possible violations:

1. Yes I have added clear description of the interest rate charged + the landing page has an interest calculator which shows the
exact amount payable. Also we stated that loans are of minimum 3 month term (so technically this is not a payday loan)

2. The ads were compliant and we never had them disapproved on either of the two accounts. Presume that if the ads were
non-compliant they would flag them no?

3. Yes, we added privacy & T&Cs and I even added a disclaimer that we have no affiliation with Facebook

4. Do not see how the disruptive content. Landing page is clean as far as I can tell.

5. I even tried to limit the audience age and other small tweaks here and there in an attempt to keep it live.

Funny thing is that there are dozens of other pages, which seem way way less legit and they seem to be staying up. Been

It seems that their appeal process doesnt exist hehe...been waiting for a month and a half now for the first appeal response and nothing...maybe they got bigger fish to fry now with all that's going on with FB lately. As for backup pages yeah I could keep popping new pages up every 2-3 weeks but would be great to actually understand the problem here...I've been digging for a loong time now and saw hundreds of cases where they ban pages without any explanation. This worries me know as we have many other Client pages in play and this feels like walking on a minefield all of a sudden

Yeah i understand it can be frustrating.

Can I have a look at your pages/ads? If you feel uncomfortable, send them via pm.

Generally speaking its usually something weird that causes this.

Did you try and open a new profile/ad acc?

Thanks for the above.. just sent you a pm

Tried setting up the page with a new account/business account (the recent page we setup was done that way and with another credit card etc) same result..

Pm me, i have an alternative method of generating traffic that will stay below Facebooks radar and may help you.