30942: Campaign rejected: Loan marketing content detected

Your A2P 10DLC campaign was rejected because it contains direct loan marketing content. Carrier policies prohibit A2P messaging campaigns that promote or solicit lending products such as payday loans, auto title loans, personal loans, or similar financial products. These restrictions apply to direct-to-consumer loan solicitations and promotional lending messages sent via SMS/MMS.

• Payday loan promotion: The campaign promotes payday lending, cash advance services, or short-term high-interest loan products.
• Auto title or personal loan marketing: The campaign advertises auto title loans, personal loans, or other consumer lending products via messaging.
• Loan lead generation: The campaign collects consumer information for the purpose of connecting them with loan providers or lending marketplaces.
• Promotional lending offers: The campaign sample messages or description include loan offers, interest rate promotions, or pre-approval solicitations.

• The rejected campaign is not eligible for resubmission. A2P 10DLC campaigns involving direct loan marketing content are prohibited under carrier guidelines.
• Note that transactional messages such as payment reminders, account notifications, or servicing communications to existing borrowers may be permissible under a different campaign use case. Consult Twilio documentation for compliant financial services messaging.
• If you believe this rejection was made in error, contact support.

• A2P 10DLC Registration Guide
• Campaign Registration Best Practices