Loan Offer Message: 25+ Personal Loan Messages for WhatsApp
Share pre-approved and festive loan offers with an opt-out on every one. Copy a loan offer message and send it to your opted-in list.
Updated October 2026. 27 templates, all copy-paste ready.
Preview
🎁 Hi {{Name}}, you have a pre-approved personal loan. 💰 Up to Rs. {{Amount}} from {{Bank}} 📅 Rates from {{Rate}}% p.a. ⏱️ No paperwork, money in {{Hours}} hours Reply YES to see your offer. Reply STOP to opt out.
10:24Every {{placeholder}} fills from the Google Sheet column with the same name.
Loan offer message for pre-approved customers
Lead with the amount and the speed. Name the lender, give one clear action, and end with an opt-out.
🎁 Hi {{Name}}, you have a pre-approved personal loan. 💰 Up to Rs. {{Amount}} from {{Bank}} 📅 Rates from {{Rate}}% p.a. ⏱️ No paperwork, money in {{Hours}} hours Reply YES to see your offer. Reply STOP to opt out.
10:24💼 Dear {{Name}}, as a valued {{Bank}} customer, you qualify for an instant personal loan. 💰 Amount: Rs. {{Amount}} 📅 EMIs from Rs. {{EMI}} a month ⏳ Valid till {{Date}} Check your offer at {{Link}}. Reply STOP to opt out.
10:24🏦 {{Name}}, your salary account with {{Bank}} unlocks a pre-approved loan. 💰 Amount: Rs. {{Amount}} 📅 Tenure: {{Min Tenure}} to {{Max Tenure}} months ⚡ Get the money the same day Tap {{Link}} to accept. Reply STOP to opt out.
10:24🎉 Good news {{Name}}! A personal loan is ready for you on the {{App Name}} app, from our lending partner {{NBFC Name}}. 💰 Up to Rs. {{Amount}} 💸 Processing fee only {{Fee}}% Open the app or visit {{Link}} to see your EMI options. Reply STOP to opt out.
10:24Festive and seasonal loan advertisement messages
Tie the offer to the season, keep the numbers honest, and say when it ends.
🪔 Happy Diwali, {{Name}}! Make the festive season brighter with a personal loan from {{Bank}}. 💰 Up to Rs. {{Amount}} at {{Rate}}% p.a. 🎁 Zero processing fee till {{Date}} Apply in 5 minutes at {{Link}}. Reply STOP to opt out.
10:24💍 Wedding in the family, {{Name}}? Cover the venue, jewellery and travel with a {{Lender}} personal loan. 💰 Up to Rs. {{Amount}} 📅 EMIs from Rs. {{EMI}} a month Check your eligibility at {{Link}}. Reply STOP to opt out.
10:24🛍️ {{Name}}, this Navratri, shop now and pay in easy EMIs. 💰 Rs. {{Amount}} in your account within {{Hours}} hours 📅 Rate: {{Rate}}% p.a. ⏳ Festive offer ends on {{Date}} Apply at {{Link}}. Reply STOP to opt out.
10:24✨ Year-end plans, {{Name}}? A holiday, a new phone or a home upgrade: {{Bank}} has a personal loan waiting for you. 💰 Up to Rs. {{Amount}} 📅 Special rate of {{Rate}}% p.a. till {{Date}} Reply YES for a call back. Reply STOP to opt out.
10:24Top-up personal loan messages
For borrowers with a good repayment record. Mention their existing loan so the offer feels earned, not random.
👏 Hi {{Name}}, thank you for paying every EMI on time on loan {{Masked Loan No.}}. 💰 Top-up of up to Rs. {{Amount}} on the same loan 📅 Rate: {{Rate}}% p.a. Reply YES and we will share the details. Reply STOP to opt out.
10:24💼 Dear {{Name}}, need extra funds? Your {{Lender}} loan qualifies for a top-up. 💰 Amount: Rs. {{Amount}} 📅 One combined EMI of Rs. {{EMI}} 📄 No new documents needed Accept at {{Link}}. Reply STOP to opt out.
10:24👏 {{Name}}, you have repaid {{EMIs Paid}} EMIs on your personal loan. 💰 Top-up available: Rs. {{Amount}} ⏱️ Credited within {{Hours}} hours ⏳ Valid till {{Date}} Call {{Helpline}} to know more. Reply STOP to opt out.
10:24Personal loan messages for salaried and self-employed customers
Speak to how each customer earns. Salaried borrowers want speed. Self-employed borrowers want flexible proof of income.
💼 Hi {{Name}}, working at {{Company Name}}? Get a personal loan with just your last 3 salary slips. 💰 Up to Rs. {{Amount}} 📅 Rates from {{Rate}}% p.a., money in {{Hours}} hours Apply at {{Link}}. Reply STOP to opt out.
10:24💼 Dear {{Name}}, earning Rs. {{Min Salary}} or more a month? You may qualify for a {{Bank}} personal loan. 💰 Up to {{Multiplier}} times your monthly salary 📅 Tenure up to {{Max Tenure}} months Check in 2 minutes at {{Link}}. Reply STOP to opt out.
10:24🏪 Hi {{Name}}, running your own business or practice? {{Lender}} offers personal loans to self-employed customers. 💰 Up to Rs. {{Amount}} 📄 Based on your ITR and bank statement Reply YES for a call. Reply STOP to opt out.
10:24🏪 Dear {{Name}}, {{Lender}} now offers collateral-free personal loans to shop owners, doctors and consultants. 💰 Up to Rs. {{Amount}} 📄 Last {{Months}} months' bank statement 📤 Quick decision on upload Upload at {{Link}} for a quick decision. Reply STOP to opt out.
10:24DSA and loan agent outreach messages
Say who you are and which lender you work with in the first line. Borrowers trust a named partner more than a faceless offer.
👋 Hi {{Name}}, I am {{Agent Name}}, an authorised partner of {{Bank}}. 💰 Personal loan of up to Rs. {{Amount}} 🚪 Doorstep document pickup Reply YES and I will call you at a time that suits you. Reply STOP to opt out.
10:24🙏 Namaste {{Name}}, this is {{Agent Name}} from {{Agency Name}}, DSA for {{Bank}} and {{Lender 2}}. I compare offers so you get the best rate, at no charge to you. 📍 Share your city and monthly income to get started. Reply STOP to opt out.
10:24Dear {{Name}}, looking for a personal loan for {{Purpose}}? As an approved {{Bank}} agent, I can check your eligibility today. ⚡ Disbursal in {{Days}} days 📞 Call me on {{Agent Phone}} Reply STOP to opt out.
10:24👋 Hi {{Name}}, {{Agent Name}} here. {{Referrer Name}} mentioned you might be looking for funds. I work with {{Bank}}. 💰 Personal loan options of up to Rs. {{Amount}} Happy to help if you reply YES. Reply STOP to opt out.
10:24Loan message follow-ups after an enquiry
Short and helpful. Remind them what they asked for, remove one obstacle, and make the next step easy.
👋 Hi {{Name}}, thanks for your personal loan enquiry with {{Lender}}. 📅 Enquiry date: {{Date}} 📝 Application: {{Percent}}% complete Finish it in 2 minutes at {{Link}} to see your final offer. Reply STOP to opt out.
10:24📄 Dear {{Name}}, we still need your {{Document}}, such as your latest salary slip. 💰 Loan amount: Rs. {{Amount}} Upload it securely at {{Link}}. Need help? Call {{Helpline}}. Reply STOP to opt out.
10:24⏳ {{Name}}, your personal loan offer is still open but expires on {{Date}}. 💰 Amount: Rs. {{Amount}} 📅 Rate: {{Rate}}% p.a. Questions about the EMI or fees? Reply here and {{Agent Name}} will call you back. Reply STOP to opt out.
10:24Personal loan SMS offers under 160 characters
Promotional SMS in India needs a DLT-registered header and template. These fit one SMS and end with an opt-out.
{{Bank}}: Pre-approved personal loan of Rs. {{Amount}} at {{Rate}}% p.a. for you, {{Name}}. Apply at {{Link}}. Reply STOP to opt out.
133/160 characters
{{Name}}, get up to Rs. {{Amount}} in {{Hours}} hrs from {{Lender}}. EMIs from Rs. {{EMI}}. Offer till {{Date}}. {{Link}} Reply STOP to opt out.
144/160 characters
{{Lender}} Festive Offer: personal loan up to Rs. {{Amount}}, zero processing fee till {{Date}}. Apply: {{Link}}. Reply STOP to opt out.
136/160 characters
{{Name}}, a top-up of Rs. {{Amount}} is ready on your {{Lender}} loan. Same EMI date. Accept at {{Link}}. Reply STOP to opt out.
128/160 characters
{{Name}}, finish your {{Lender}} loan application at {{Link}} to see your final offer. Help: {{Helpline}}. Reply STOP to opt out.
129/160 characters
What a personal loan offer message must include
An offer gets a reply when the customer can judge it in five seconds: who is lending, how much, at what cost, and how to say yes or no.
- The customer's name
- The lender's name, and the partner bank or NBFC if you are a DSA or an app
- The loan amount, written as "up to" unless it is pre-approved
- The interest rate or starting rate, and any processing fee
- The date the offer ends
- One clear action: a reply word, an official link or a call back
- An opt-out line, such as Reply STOP to opt out
Send offers only to customers who opted in, end each with Reply STOP, and name the lending bank or NBFC. Never ask for an OTP, PAN or Aadhaar.
Common mistakes in loan advertisement messages
- No opt-out line, which gets your number reported and blocked on WhatsApp.
- Promising guaranteed approval or a rate most customers will not get, which breaks trust and RBI's fair practices code.
- Hiding the lender's name behind an agency or app name, so the offer looks like a scam.
- Sending the same offer every day. Once a week at most keeps the list warm without wearing it out.
Send personal loan messages to your list with SheetWA
- 1
Put one opted-in customer per row in a Google Sheet, with a column named after every placeholder: name, offer amount, rate, EMI, end date, link.
- 2
Open SheetWA, paste the template, and each placeholder fills from the sheet column with the same name. Every customer sees their own offer.
- 3
Attach a rate card or brochure PDF if you like, preview a few rows, and send. Remove anyone who replies STOP before your next campaign.
- Bulk WhatsApp senderSend from Google Sheets
More finance templates
All finance templatesLoan approval message
Tell borrowers their loan is sanctioned, with the amount, tenure, rate and next step.
EMI due message
Remind borrowers of the EMI amount, due date and how to pay, before and after it falls due.
EMI bounce message
Tell borrowers their EMI debit failed, the bounce charge, the retry date and how to pay.
Payment received message
Confirm a payment with the amount, date, mode and reference, plus the receipt.
Credit card payment message
Remind cardholders of the total due, minimum due and due date, and confirm payments.
Deposit message
Confirm a cash, cheque, UPI or salary credit with the amount, account and balance.
Payment reminder message
Remind customers what they owe and by when, from a friendly nudge to a final notice.
Frequently asked questions
How do I write personal loan messages that get replies?
Open with the customer's name and the amount they can borrow. Add the rate or EMI, the lender's name and one easy action, such as Reply YES or a link. Close with an opt-out. Keep it under 50 words. Offers that mention the customer's existing relationship, like a salary account, get the most replies.
What is a good loan message for customers?
A good loan message is personal, specific and honest. It names the lender, states the amount and starting rate, says when the offer ends, and gives one way to respond. It never asks for an OTP or an upfront fee, and it always lets the customer opt out of future offers.
Are loan advertisement messages allowed on WhatsApp?
Yes, when the customer has opted in to hear from you and every message includes a way to opt out. Through the WhatsApp Business API, offers go out as marketing templates that Meta reviews first. Name the regulated lender, avoid guaranteed approval claims, and follow WhatsApp's commerce policy.
What is the format of a personal loan SMS?
Lender or brand name first, then the amount, the rate or EMI, the offer end date, a short link and Reply STOP to opt out. It must fit in 160 characters to go as one SMS. In India, promotional SMS also needs a DLT-registered sender header and an approved template.
How can a DSA or loan agent find customers on WhatsApp?
Start with people who already know you: past borrowers, referrals and enquiries from your website or ads. Introduce yourself with the lender you represent, ask one simple question like monthly income, and follow up once. Keep a Google Sheet of leads and send personalised messages in batches.
How can I tell if a personal loan offer message is genuine?
A genuine offer names a bank or NBFC registered with RBI, links only to that lender's own website or app, and never asks for an advance fee, OTP or PIN. Be wary of guaranteed approval with no credit check. When in doubt, call the lender on the number listed on its official website.
How often should I send personal loan offers?
Once a week is plenty for most lists, and once a month is safer for cold leads. Send more often only when something changes, like a festive rate or an offer about to expire. Too many messages lead to blocks and reports, which can get your WhatsApp number restricted.
Can I send personal loan messages in bulk from a Google Sheet?
Yes. Put your opted-in customers in a Google Sheet with columns for name, amount and rate, paste a template into SheetWA, and send one personalised message per row from your own WhatsApp number. For large campaigns, use the SheetWA WhatsApp API with approved marketing templates.