Euro-cabinet for Loans and Credits — opening in 2 business days, no KYC | ADSLY

Why loan advertisers open a Euro account

Loans are restricted on every large ad platform, and each one says so in writing. Meta does not allow ads for payday loans, paycheck advances or any loan that must be repaid in full within 90 days (Meta, Prohibited Financial Products and Services). Google allows only personal loans that require repayment in full in 61 days or longer, requires the maximum APR and a representative example of the total cost on the landing page, and in the United States does not allow personal loans with an APR of 36% or above (Google Ads, Financial products and services).

Telegram’s rule is §5.7 of its ad guidelines. Ads must not promote “content, products, or services associated with deceptive or harmful financial practices”; the examples name “payday loans, cash loans, predatory lending, including short-term loans”; and for any paid product “the terms of purchase must be explicit and easy to understand”. Concealing “fees, terms, payment deadlines” is listed as a violation in its own right. An account does not change that rule, and nobody can promise that a given creative clears.

That is why we treat loans as two niches. Legal microloans, MFOs and consumer credit — a licensed lender with stated terms — are a regular niche. Payday loans are a high-risk niche. Both open on our EU entity, with no KYC, no banking licence and no EU company on your side, from a €500 ad budget.

What you get with Adsly

• Copy that states the terms. §5.7 asks for explicit terms, so a loan ad should name the rate, the term and the fees. “Consumer loans from 5.9% per annum, 12 to 60 months” states terms; “guaranteed approval without checks” is the kind of claim §5.4 of the same guidelines calls misleading, and §5.4 also gives “Looking to pay off high debt?” as an example of a prohibited question about the viewer’s finances. Moderation questions are part of account support — send us a text before you submit it.

• AI Recreate for declined ads. When an ad is declined, Recreate re-submits it every hour until it is approved, and AI Recreate writes a new text for each attempt. We publish no recovery percentage for it.

• The same targeting form on every account type. Countries, languages, topics and devices, or specific channels, bots and search. The topics closest to loans are “Economy & Finance” and “Business & Entrepreneurship”.

• Analytics down to the hour. Pro Panel reports per campaign, per account and across accounts, with hourly snapshots — run one campaign per group of channels and you see which finance channels or city communities convert for your offer.

• What we take. Microloans, MFOs, consumer loans, credit cards and credit brokers as a regular niche, and payday loans as a separate high-risk niche.

Price and terms

One commission for every loan product and every country:

Item	Details
Minimum ad budget	€500, on every top-up
Commission	30% for every loan product, in every country
Total at the minimum ad budget	€500 + €150 = €650
Opening time	2 business days
Payment	Any cryptocurrency
Setup fee	None
Adsly Pro Panel	Included free while the account is active
KYC	None

The commission is added on top of the ad budget, and the order form shows the exact total before you pay. Other licensed credit products — consumer loans, credit cards, credit brokers — pay the same 30%. Loans carry no launch bundle: you write and launch the campaigns yourself, or add the managed service — $1,000 per month plus 10% of ad spend, 20% in high-risk niches.

We publish no CPM for loans: our measured data has no separate loans row, and a range we cannot back is worse than none. What we have measured is the average across all campaigns on our Euro accounts — €2.97 CPM and 0.85% CTR over 257.7M impressions. The country you target moves that number far more than the niche does: prices by country, in euros on Euro accounts and in TON on TON accounts, are in the CPM by country table.

Countries: what we have measured

Every new Euro account is a World account: it can advertise in every available country, and you choose the countries for each campaign inside it. There is no loans-only price list by country, so the table shows what all niches together paid on our Euro accounts in single-country campaigns (3 October 2026). Use it to size a budget, not to predict a cost per loan application.

Country	CPM	CTR	Impressions	Accounts
Russia	€2.68	0.65%	163.0M	62
India	€0.25	1.12%	17.3M	8
Uzbekistan	€0.20	0.90%	6.4M	2
Brazil	€2.22	1.64%	4.7M	6
Turkey	€2.92	0.87%	874k	8
UAE	€1.42	1.36%	295k	8
Georgia	€4.00	0.29%	144k	3
Saudi Arabia	€1.69	1.47%	74k	4
Qatar	€1.95	1.11%	28k	5
Kazakhstan	€1.09	0.46%	about 11k	2

Kazakhstan’s row rests on about 11k impressions — a data point, not a market price. We have no Euro single-country measurement for Mexico, Colombia, Peru, Argentina, Indonesia or Western Europe; for those, the TON rows in the CPM by country table are the closest evidence, and they are in TON. Lending is regulated country by country — confirm that your product may be advertised in the market you target before the copy is written.

What’s included

• The account itself and the Pro Panel — access to the account on ads.telegram.org and to the Adsly Pro Panel at app.adsly.pro

• Pro Panel tools — bulk create and edit, IF/THEN automation rules, AI ad texts, hourly analytics, campaign groups, CSV and Excel export

• Moderation support — questions about a declined ad go to account support, and on a Euro account a borderline decline can be escalated to a human reviewer through us

• Targeting — countries (229 options), languages (71), topics (41), devices, or specific channels, bots and search

• Euro-only features — ads that link to an external website, so the application form on your own site can be the destination; in-stream video; a custom button

• Other accounts in one place — Pro Panel connects Euro, TON and Stars accounts; since 22 August 2026 all three use the same targeting form

How it works: 4 steps

Step 1: Tell us what you lend. Write to @adsly_pro or fill in the order form: the product (microloans, consumer loans, credit cards, payday loans), the destination — channel, bot or website — and the countries you plan to target.

Step 2: Pay. The order form shows the ad budget (from €500), the commission and the total before you pay. Payment is in any cryptocurrency, and no documents are requested.

Step 3: We open the account. It opens in 2 business days on our EU entity. The ad budget is credited to your account in euros.

Step 4: Launch. Create the campaigns in the Pro Panel or on ads.telegram.org: choose the country audience, the topics or the channels, and submit texts that state the terms. If you would rather not run them yourself, add the managed service.

Frequently Asked Questions

Can you advertise microloans and credit on Telegram?

Telegram’s ad guidelines restrict it: §5.7 names payday loans, cash loans and short-term loans as examples of harmful financial products and requires the terms of any paid product to be explicit. We open Euro accounts for legal microloans, MFOs and consumer credit, and for payday loans as a high-risk niche; no supplier can promise that a particular ad clears. Across all niches, 95.6% of reviewed ads on our Euro accounts end up approved; we publish no separate figure for loans.

Do I need a banking licence or KYC to open the account?

No. We open the account on our EU entity and ask for no documents, no banking licence and no EU company; the one thing we need to know is what you advertise. Whether your product may be offered in the target country is a matter of local law and stays your responsibility.

Which countries can a loans account target?

Every available country: each new Euro account is a World account, and you choose the countries for each campaign inside it. We have no measured data on loan leads by country; the all-niche prices we measured are in the table above.

What commission does Adsly charge for a loans account?

30% for every loan product — legal microloans and MFOs, payday loans and other licensed credit — in every country. The minimum ad budget is €500 in each case, so the smallest order is €500 + €150 = €650, and Pro Panel is included free.

How do microloans and payday loans differ in your pricing?

A legal microloan or MFO product — a licensed lender with a stated rate, term and fees — is a regular niche. A payday loan, a short-term loan meant to cover expenses until the next payday, is a high-risk niche. Tell us which one you run before you pay. The price is the same for both: 30% commission and a €500 minimum ad budget.

How does AI Recreate help with declined loan ads?

Recreate re-submits a declined ad every hour until it is approved, and AI Recreate writes a new text for each attempt. It does not make a prohibited claim acceptable: “guaranteed approval” and hidden fees are exactly what §5.4 and §5.7 are about. We publish no recovery rate for it.

Which channels suit loan ads?

Finance and economy channels, city communities and channels for the self-employed are the natural placements, and the “Economy & Finance” and “Business & Entrepreneurship” topics reach the same audience without picking channels by hand. We publish no conversion benchmark by channel type — compare them in your own campaign statistics.

Which loan products do you take?

Microloans, MFOs, consumer loans, credit cards and credit brokers as a regular niche, and payday loans as a high-risk niche. Each opens from a €500 ad budget in 2 business days.

What payment methods are accepted?

Any cryptocurrency, on the payment page of your order. No bank account in the EU is needed, and there is no KYC.

How quickly can a loan campaign go live?

The account opens in 2 business days. Moderation of each ad comes after that: on our accounts over 98% of 13,199 campaigns got a decision within three hours in September 2026, on Stars, TON and Euro alike. A declined ad adds review cycles, so the first live day depends on the creative, not on the account.

Open a Euro account for loans

Ad budget from €500, 2 business days, any cryptocurrency, no KYC, any country.

Open a Euro account Get started