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WhatsApp Templates · NBFC and Lending Companies

WhatsApp message templates for NBFC and lending companies

NBFC and lending companies need six WhatsApp templates: four utility messages for EMI reminders, KYC steps, disbursal and payment receipts, one marketing template for a top-up or new loan offer to opted-in borrowers, and one authentication template for app and portal logins. Utility messages track the loan lifecycle a borrower already has.

Lending problems cluster around missed dates and unclear balances, and both get worse the longer they wait. WhatsApp EMI reminders and receipt confirmations reach borrowers on the channel they use daily. A clear message also reduces collections friction because the borrower knows exactly what is due and when.

EMI due reminder

Utility

Send it when: an instalment approaches its due date

Hi {{1}}, your EMI of {{2}} for loan {{3}} is due on {{4}}. Pay here: {{5}}. Reply if you have already paid.

KYC pending

Utility

Send it when: a loan is held for missing documents

Hi {{1}}, your loan {{2}} is on hold pending KYC. Upload documents here: {{3}} and we will process within {{4}}.

Disbursal confirmation

Utility

Send it when: loan funds are released

Hi {{1}}, {{2}} for loan {{3}} has been disbursed to your account ending {{4}}. The first EMI is due on {{5}}.

Payment receipt

Utility

Send it when: an instalment is received

Hi {{1}}, we received {{2}} towards loan {{3}} on {{4}}. Outstanding balance is now {{5}}. Reference {{6}}.

Top-up or new loan offer

Marketing

Send it when: offering credit to opted-in borrowers

Hi {{1}}, based on your repayment record you may qualify for a {{2}} top-up. Interested? Reply YES and we will share the details.

Loan app login code

Authentication

Send it when: a borrower logs into the loan app

{{1}} is your one-time code for the {{2}} loan app. It expires in {{3}} minutes. Do not share it with anyone.

How the category changes what you pay

  • Every template is submitted under one category, and Meta assigns the final one in review. A utility template that reads like a promotion can be reclassified as marketing, which changes both the rate and the opt-in requirement.
  • Since 1 October 2026, service messages are charged per delivered message after the first 1,000 free service messages per business phone number per month. The allowance does not roll over and there are no volume tiers.
  • Inbound messages are free, and a customer-initiated message opens the 24-hour customer service window. Anything you start outside that window needs an approved template.

NBFC and Lending Companies on WhatsApp: common questions

Templates for other industries

Banks and Credit Unions6 templatesFintech and Payment Providers6 templatesCredit Repair Advisors6 templates

Send these from your own number, with a team behind it

BNex runs the official Meta WhatsApp Cloud API with a shared inbox, campaign broadcasts and a visual flow builder. Connect a number, submit these templates, and start on the free plan — no credit card.

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