Guideline 3.2.2(ix) prohibits personal loan apps from charging an APR exceeding 36% inclusive of all costs and fees, and prohibits repayment terms of 60 days or less, while requiring conspicuous disclosure of all loan terms including APR and payment due date. This provision applies to apps distributed through the App Store.
This analysis describes what Apple's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes a substantive APR cap and minimum loan term requirement that Apple applies as a condition of App Store distribution, which may affect fintech and consumer lending apps regardless of whether applicable state or federal law imposes equivalent restrictions in the jurisdictions where those apps operate.
The updated guidelines do not directly affect end users of apps, but they establish new requirements for developers submitting apps to the App Store. Developers must now provide regulatory documentation for apps requiring approval, implement content moderation safeguards for user-generated content and AI content creation platforms, and ensure all app information and creative assets meet specific accuracy and appropriateness standards. Developers who fail to implement safeguards or remediate violations after notice may be considered in violation of the Developer Code of Conduct, potentially resulting in app removal or account termination.
View change record →⚠ Personal loan apps that exceed the 36% APR cap or require repayment in 60 days or less may be removed from the App Store.
⚠ Failure to conspicuously disclose all loan terms including APR is stated grounds for rejection or removal.
Cross-platform context
See how other platforms handle Personal Loan APR Cap and Term Disclosure and similar clauses.
Compare across platforms →"Apps offering personal loans must clearly and conspicuously disclose all loan terms, including but not limited to equivalent maximum Annual Percentage Rate (APR) and payment due date. Loan apps may not charge a maximum APR higher than 36%, including costs and fees, and may not require repayment in full in 60 days or less.Excerpt from Apple's App Store Review Guidelines
(1) REGULATORY LANDSCAPE: Consumer lending is regulated at the federal level by the CFPB (under the Consumer Financial Protection Act and the Truth in Lending Act, which requires APR disclosure) and at the state level …
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This provision establishes a substantive APR cap and minimum loan term requirement that Apple applies as a condition of App Store distribution, which may affect fintech and consumer lending apps regardless of whether applicable state or federal law imposes equivalent restrictions in the jurisdictions where those apps operate.
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