# Pre-approved loan offer WhatsApp template

> Promote a pre-approved personal loan on WhatsApp with limit, rate and a call to action. Marketing template for banks and lenders.

- Category: Marketing
- Industry: Finance and banking
- Use case: Promotion
- Language: en_US
- Approval rate: 79%
- Page: https://template-builder.dev/whatsapp-template/finance-loan-offer-pre-approved
- JSON: https://template-builder.dev/whatsapp-template/finance-loan-offer-pre-approved.json
- Open in the playground: https://template-builder.dev/playground#t=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

## How to get it approved

Disclose the key term (rate or APR) in the message and keep opt-out in the footer; credit offers with vague claims are often rejected.

## Message text

You are pre-approved
Good news, {{first_name}}! You have a pre-approved personal loan of up to *{{limit}}* with rates from {{rate}} per month. No paperwork, and the money can reach your account the same day.
Reply STOP to opt out

## Variables

- `{{first_name}}`: Sofia
- `{{limit}}`: $15,000
- `{{rate}}`: 1.2%
- `{{offer_id}}`: PA2291

## Template JSON

```json
{
  "name": "finance_loan_offer_pre_approved",
  "language": "en_US",
  "category": "MARKETING",
  "header": {
    "type": "TEXT",
    "text": "You are pre-approved"
  },
  "body": {
    "text": "Good news, {{first_name}}! You have a pre-approved personal loan of up to *{{limit}}* with rates from {{rate}} per month. No paperwork, and the money can reach your account the same day."
  },
  "footer": {
    "text": "Reply STOP to opt out"
  },
  "buttons": [
    {
      "type": "URL",
      "text": "See my offer",
      "url": "https://lumenbank.com/offers/{{offer_id}}"
    },
    {
      "type": "QUICK_REPLY",
      "text": "Not interested"
    }
  ],
  "variables": {
    "first_name": {
      "example": "Sofia"
    },
    "limit": {
      "example": "$15,000"
    },
    "rate": {
      "example": "1.2%"
    },
    "offer_id": {
      "example": "PA2291"
    }
  }
}
```

## Create it with the Meta Cloud API

```sh
curl -X POST "https://graph.facebook.com/v26.0/$WABA_ID/message_templates" \
  -H "Authorization: Bearer $META_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
  "name": "finance_loan_offer_pre_approved",
  "language": "en_US",
  "category": "MARKETING",
  "parameter_format": "NAMED",
  "components": [
    {
      "type": "HEADER",
      "format": "TEXT",
      "text": "You are pre-approved"
    },
    {
      "type": "BODY",
      "text": "Good news, {{first_name}}! You have a pre-approved personal loan of up to *{{limit}}* with rates from {{rate}} per month. No paperwork, and the money can reach your account the same day.",
      "example": {
        "body_text_named_params": [
          {
            "param_name": "first_name",
            "example": "Sofia"
          },
          {
            "param_name": "limit",
            "example": "$15,000"
          },
          {
            "param_name": "rate",
            "example": "1.2%"
          }
        ]
      }
    },
    {
      "type": "FOOTER",
      "text": "Reply STOP to opt out"
    },
    {
      "type": "BUTTONS",
      "buttons": [
        {
          "type": "URL",
          "text": "See my offer",
          "url": "https://lumenbank.com/offers/{{1}}",
          "example": [
            "https://lumenbank.com/offers/PA2291"
          ]
        },
        {
          "type": "QUICK_REPLY",
          "text": "Not interested"
        }
      ]
    }
  ]
}'
```