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Advertising media is one of the means that is considered effective in delivering messages. In the era of the development of communication technology, advertisements of loan offers are widely discussed via short messages on mobile phones. This study discusses the discourse of short message advertisements for loan offers. The purpose of this research is to describe the parts of discourse, language use, and speech acts in short message advertisements for loan offers. The study is descriptive qualitative. The data collection was carried out by recording and documenting short messages of loan offer advertisements in January-December 2020. The theories applied in this study are discourse, language use, and aspects of speech acts. In this study, three findings are presented, namely parts of discourse, language use, and speech acts. Firstly, the parts of short message advertisements for loan offers are the beginning, the content, and the end. Secondly, the findings of the language use indicate that the spelling of the short message adverts containing loan offers emphasizes the use of capital letters and abbreviations. Thirdly, speech acts in short messages in loan offer advertisements include expressive, directive, and commissive speech acts.Media iklan merupakan salah satu sarana yang dipandang efektif dalam penyampaian pesan.  Di era perkembangan teknologi komunikasi, memarak diperbincangkan iklan penawaran pinjaman melalui pesan singkat (sms) pada telepon genggam. Penelitian ini membahas wacana pesan singkat iklan penawaran pinjaman. Tujuan penelitian adalah memerikan bagian-bagian wacana, pemakaian bahasa, dan tindak tutur pada pesan singkat iklan penawaran pinjaman. Kajian bersifat kualitatif deskriptif. Pengumpulan data dilakukan dengan cara mencatat dan mendokumentasikan pesan singkat iklan penawaran pinjaman pada Januari—Desember 2020. Teori yang digunakan dalam penelitian ini ialah wacana, penggunaan bahasa, dan aspek tindak tutur. Dalam penelitian ini dipaparkan tiga temuan, yaitu bagian-bagian wacana, penggunaan bahasa, dan tindak tutur. Pertama, bagian-bagian wacana pesan singkat iklan penawaran pinjaman, yaitu awal, isi, dan akhir. Kedua, temuan penggunaan bahasa menunjukkan ejaan pada pesan singkat iklan penawaran pinjaman menekankan pada penggunaan huruf kapital dan singkatan. Ketiga, tindak tutur pada pesan singkat iklan penawaran pinjaman, mencakup tindak tutur ekspresif, direktif, dan komisif.

WACANA PESAN SINGKAT IKLAN PENAWARAN PINJAMAN