Fintech · Personal loans

ZappLoans

38,700+ qualified loan applications at a 9.5% CTR.

ZappLoans is a fintech platform offering instant personal loans to working professionals in India with same-day disbursal. Their goal: scale borrower acquisition at a defensible cost per qualified applicant, reaching high-intent users who needed fast credit and were underserved by traditional lenders.

ServiceGoogle Ads IndustryFintech GeographyIndia TimelineOngoing
Engagement at a glance Closed
Type Performance acquisition at scale
Service Google Ads
Buyer Working professionals · credit-seeking
Geo India
Timeline Ongoing
Impressions 1.5M to high-intent loan-seeking users
Clicks 137K captured at a controlled CPC
Average CTR 9.5% vs fintech baseline of 4-6%
Conversions 38,700+ qualified loan applications

Overview

Who ZappLoans is and what they came to us with.

ZappLoans serves working professionals in India who need fast personal credit (10K to 5L INR) with same-day disbursal. The user is searching at the moment of need: an unexpected expense, a planned purchase, a credit gap. They will choose the first credible lender that approves their application inside 30 minutes.

The challenge

What was hard before we started.

  1. 01 Personal-loan search auctions in India are some of the most expensive on Google, dominated by HDFC, Bajaj Finserv, and aggregators with deep pockets.
  2. 02 Loan queries are heavy on tyre-kickers: people researching, comparing, or with credit profiles that will never convert. Smart Bidding needed credit-quality signal to optimize correctly.
  3. 03 Most fintech ad copy reads identical: 'instant loans', 'low interest', 'no paperwork'. Differentiation is hard inside Google's RSA limits.

Snapshot

What changed when we took over the account.

Before
  • Generic 'instant loan' copy lost to HDFC and Bajaj on volume
  • Conversions = application started (heavy tyre-kicker noise)
  • Bidding flat across geos, time-of-day, salary cycles
After
  • Time-to-disbursal positioning ('approved in 30 minutes')
  • Conversions = application qualified (cleared eligibility filter)
  • 9.5% CTR vs 4-6% fintech-category baseline

Engagement cadence

Four checkpoints from audit to scaled outcome.

01

Week 1

Audit + conversion infra wired

02

Week 2

Account rebuild + creative shipped

03

Week 3

Launch on 30% spend ramp

04

Month 3

Cost-per-meeting holds; full spend

Our approach

Four moves that made the difference.

01

Disbursal-time positioning

Lead ad copy with the actual time-to-disbursal ('approved in 30 minutes', 'cash in your account same day'). Speed beats interest-rate copy when the reader is in the moment of need.

02

Credit-quality conversion model

Reframed the conversion from 'application started' to 'application qualified' (passed eligibility filter). Smart Bidding learned to bid up for users likely to clear the credit threshold.

03

Geo and time-of-day discipline

Bid modifiers around payday windows, salary-cycle dates, and metro vs tier-2 city patterns. Spend paused in time slots where historical data showed zero approvals.

04

RSA testing at scale

Three to five RSA variants live concurrently per ad group, refreshed every two weeks based on assets-by-asset performance reporting.

Tools we ran

Google Ads GA4 Enhanced Conversions RSA testing Looker Studio

38,700+

qualified loan applications

Results

What the engagement produced.

ZappLoans served 1.5M impressions to high-intent loan-seeking users, captured 137K clicks at a 9.5% CTR (above the fintech baseline of 4 to 6 percent), and produced 38,700+ qualified loan applications. The shift from 'application started' to 'application qualified' as the conversion action meant Smart Bidding optimized against credit-quality signal rather than raw click volume.

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How we work

Four operating principles that shape every engagement.

Operator-first

We have run the work we sell. Cold email at 2am debugging deliverability. Paid budgets across continents. We carry the calluses, not just the slide deck.

Honest no, said early

If outbound is not right for your market we say so before the contract. If your ACV is under $5K we say so. The honest no has cost us deals and kept us clients for years.

Numbers over adjectives

12 qualified meetings, not 'significant pipeline'. 38,700 leads, not 'tremendous results'. Every page on this site puts numbers next to claims and named clients next to numbers.

You own everything we build

Domains, accounts, lists, playbooks, signal libraries, automations. All in your name from day 1. The system we ship transfers cleanly the day the contract ends.

Reach

Where we run paid demand programs.

Five regions, eight industries, ACV bands from $5K to $500M. The system that ships in one market ports cleanly to the next.

Regions5
Industries8
Engagements200+
Meetings booked1,200+

Why Growleads

Three things companies tell us we do differently.

Demand Intelligence, not demand generation

We build the intelligence layer that decides which activity to run on whom, when, and why. Activity is the easy part; intelligence is the leverage.

One operating system across channels

Outbound, inbound, GTM, and LinkedIn Authority run on the same buyer model. Your buyer experiences a consistent brand across every channel. Pipeline compounds instead of plateauing.

Channels most agencies cannot offer

GEO + AEO citation in ChatGPT, Perplexity, and Gemini is live for our clients today. The first-mover window for AI search authority is ~18 months wide. Most agencies are still running the 2021 playbook.

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