Use these carrier-safe alternatives to keep your Molto campaigns compliant with A2P regulations—especially if your business has been flagged as higher risk.
Carriers actively block messages containing certain financing and credit-related phrases. Use this side-by-side guide to rewrite risky copy into compliant, high-converting alternatives.
Left: Risky wording that can trigger blocks. Right: Safer alternatives that keep intent but reduce carrier risk.
"You're pre-approved for $3,000 today!"
"No credit needed. Everyone gets approved."
"Instant financing available — apply now."
"Guaranteed approval regardless of credit history."
"Bad credit? No problem. 100% approval."
Patterns to avoid: "pre-approved", "no credit", "guaranteed approval", and aggressive financing language that sounds like lending guarantees.
"We have you set up for the $3000 deal"
"We have programs that consider more than just your score. Can I email you a link?"
"Payment options may be available. Review details securely here:"
"Based on your info, you could be eligible. View terms before you decide:"
"See if you qualify in minutes with no impact to your credit score:"
Focus on eligibility, options, and reviewing terms instead of promises of approval or guaranteed financing.
Generally risky: "pre-approval", "no credit check", "instant approval", "guaranteed", "financing available", "everyone approved".
Safer framing: "may qualify", "eligibility", "options available", "see if you qualify", "review offer details", "based on your information".
In this short Loom, we show exactly how to structure campaigns inside Molto, spot risky phrases, and keep your sending reputation healthy.