Almost 80% of Americans are in debt, but debt isn’t always a bad thing. Loans can help you finance a home, car, education, and more. Finding a great rate or refinancing your loan can help you save money and pay off your loan sooner.
As an affiliate, anything to do with money is going to be super competitive, but also very lucrative (hence the competitiveness). Stuff like loans, debt relief, or “MMO” (Make Money Online) courses sell for high prices, and you make high commissions as well.
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Many loan affiliate programs have compensation rates in the hundreds of dollars per lead or sale, so be sure to check out these great loan affiliate programs below.
Loan Affiliate Programs
- The Loan Exchange
- Upstart
- MoneyLion
- Personal Loans
- Purefly
- SoFi
- LightStream
- Smarter Loan
- LendYou
- LoanMart
The Loan Exchange
- URL: The Loan Exchange Affiliate Program
- Commission: $50 per personal loan application, $250 per business loan application
- Cookie: 30 days
The Loan Exchange helps their customers find the best options on personal loans, small business loans, home loans, and more. Their fast online approval process gives you customized loan offers in just a few minutes. Once you select an offer and finalize the documents, you get the money in your checking account the same day.
To sign up for The Loan Exchange affiliate program, search for them in the advertiser’s section on Commission Junction. They provide all the marketing materials, tracking, and reporting tools you’ll need to get started. Their helpful affiliate management team is available to help answer any questions and offer suggestions on how to increase your conversion rates.
Why Should You Promote The Loan Exchange: Simple application process, same day loans, high completed loan application commission flat fees
Affiliates can earn an extremely high commission fee of $250 for completed business loan applications and $50 of personal loan applications.
Upstart
- URL: Upstart Affiliate Program
- Commission: $100 per funded loan
- Cookie: 45 days
Upstart is an online lending platform that brings high potential borrowers and investors together. They offer personal loans from $1000-50,000 that can be used for debt consolidation, credit card refinancing, large purchases, and more. Their rates can be up to half of the credit cards and other online lenders. They offer 3-5 year repayment terms and no early repayment fees.
They have partnered with Commission Junction to manage their affiliate program. Affiliates can sign up by searching for them in the advertiser’s section of cj.com. Upstart provides access to creatives, tracking tools, and issue monthly payouts. Their dedicated team is also available to help you get started and optimize your campaigns.
Why Should You Promote Upstart: Competitive loans with no hidden fees, dedicated affiliate team, high volume bonuses
High performing affiliates are rewarded with volume-based bonuses.
MoneyLion
- URL: MoneyLion Affiliate Program
- Commission: $100 per funded loan
- Cookie: 3 days
MoneyLion helps improve your financial health and offers a better way to save, borrow, and invest. They have over 2 million members and have been featured on TechCrunch, CNN Money, The Wall Street Journal, and more. MoneyLion Plus users can access low-interest loans to cover expenses and keeps their savings progress on track even if they have low credit scores.
They use FlexOffers to manage their affiliate program. MoneyLion provides their affiliates with access to marketing materials, tracking, and reporting tools to help you track leads and increase conversion rates. Affiliates can promote their easy to use financial tools and how MoneyLion loans can save you money by avoiding credit card high-interest rates and bank overdraft fees.
Why Should You Promote MoneyLion: Transparent loans and financial management tools, helps build sustainable financial habits, high funded loan commissions
MoneyLion offers affiliates great commissions on funded loans, but their cookie life is only 3 days. It might be worth joining a few other affiliate programs with longer cookie lives to give you longer times to convert leads.
Personal Loans
- URL: Personal Loans Affiliate Program
- Commission: $110 per lead
- Cookie: 45 days
Personal Loans provides their customers with an easy and convenient way to find personal loan offers from their network of lenders and lending partners. Their online services allow you to get a loan between $1000-$35,000 from your home or on the go with your mobile device. You can borrow money for a number of reasons like a home improvement project, debt consolidation, auto repair, medical expenses, or even a family vacation.
They have high conversion rates and earnings per click. Personal Loans uses Commission Junction for their affiliate management program. Affiliates have access to all the creatives and tools they will need to get started. Their helpful affiliate team is available to answer any questions.
Why Should You Promote Personal Loans: Easy personal loan process, high conversion rates, performance incentives
Affiliates with 100 or more leads receive an increased commission rate of $120 per lead.
Purefly
- URL: Purefly Affiliate Program
- Commission: $250 per funded loan
- Cookie: 30 days
Purefly is the exclusive provider of student loan application services for PenFed Credit Union, one of the largest credit unions in the country. They offer competitive rates on student loan refinancing and unique loan programs like spouse loans that allow couples to consolidate and refinance their loans into a single loan. The average lifetime savings on higher balance loans is $20,221.
Affiliates can promote Purefly’s “Find my rate” tools that estimate the terms and lifetime savings without pulling your credit report before you apply. Purefly uses Commission Junction to give their affiliates access to banner ads, text links, tracking, and reporting tools. To sign up, search for them in the advertiser’s section of Commission Junction.
Why Should You Promote Purefly: Competitive student loan refinancing rates, unique loan programs, great commission rate
Affiliates can earn a very high $250 flat fee for every funded student loan.
SoFi
- URL: SoFi Affiliate Program
- Commission: $100 per funded personal loan, $150 per funded student refinance loan
- Cookie: 30 days
SoFi is a new kind of finance company that is taking a radical approach to lending and wealth management to help their members find success. Their unprecedented products and tools help them provide faster service and open conversations. They help their customers reach their financial goals like paying off student loans, buying a home, consolidating credit card debt, and growing your wealth.
They have two affiliate programs in one account on Commission Junction. Affiliates can promote their personal loans and their student loan refinance programs. SoFi provides access to their marketing materials and tools. To apply, search for them on Commission Junction.
Why Should You Promote SoFi: New type of finance company, two commission programs in one, high payouts
Affiliates can earn $100 on funded personal loans and $150 funded student loan refinancing.
LightStream
- URL: LightStream Affiliate Program
- Commission: $60 per funded loan
- Cookie: 30 days
LightStream is an online lender that provides low-interest financing to borrowers with good credit. Their loans range from $5,000-$100,000 and can be used for just about anything. The loan process is virtually paperless which allows them to make quick credit decisions and provide same day funding. LightStream strives to provide the best loan experience and will even beat any qualifying rate offered by another lender.
They have partnered with Impact Radius to run their affiliate program. Affiliates have access to over a hundred banner ads, text links, call to action buttons, page content, and over 20 landing pages to help guide borrowers. Their comprehensive reports and tools can help you monitor and learn how to increase your conversion rates.
Why Should You Promote LightSteam: Personal loans for almost anything, Rate Beat, lots of tools and marketing materials
LightStream provides their affiliates with a great selection of promotional materials to help them convert leads and earn more commissions.
Smarter Loan
- URL: Smarter Loan Affiliate Program
- Commission: $140 per lead
- Cookie: 30 days
Smarter Loan is Canada’s largest personal loan comparison site. They offer loans ranging from $250 to $30,000. SmarterLoan provides an easy and convenient way for consumers to be matched with personal loans by simply filling out a three-steps form and find out if they are approved. If approved, the applicant can loan up to $10,000.
Smarter Loans affiliates program offers a 30-day cookie duration. Its affiliates receive a $140 commission per qualified lead.
Why Should You Promote Smarter Loan: High commission, month-long cookie life, simple application process
Known company coupled with simplified application process makes the program easy to promote.
LendYou
- URL: LendYou Affiliate Program
- Commission: 70%
- Cookie: 1 day
With Lendyou, consumers can get the cash they need when they need it without even leaving their homes. They can have the money within hours on their account to resolve their financial troubles.
Short-term loan amounts to $100 to $5000 in all states with the exception of New York, West Virginia, Arkansas, Vermont, and Washington DC.
Affiliates earn 70% in commission. They also get a variety of creative banners, text, keyword, and content links plus a protective and dedicated in-house program management. This program has a 1-day cookie duration, and you can sign up via Awin or FlexOffers.
Why Should You Promote LendYou: High commission rate, strong conversion, quick application process
Aside from the high commission rate, the company is also well known and trusted.
LoanMart
- URL: LoanMart Affiliate Program
- Commission: $100 per lead
- Cookie: 30 days
LoanMart is one of the most trusted sources for auto title loans and personal loans. They have served over 250,000 customers for more than a decade now. In as little as 3 steps that take about five minutes, a potential borrower can secure the funding he needs to get back on the road -oftentimes within 24 hours or less.
The LoanMart Car Title Loans affiliate program has a 30-day cookie duration and offers a $100 flat fee bounty for each funded loan. LoanMart also provides regularly updated banners and high security regarding personal information. You can apply to the program via FlexOffers.
Why Should You Promote LoanMart: High commission, month-long cookie life, easy application process
This program can effectively be marketed to consumers looking for a fast and reliable means of securing cash with an auto title loan.
Affiliate Website Ideas
Now that you’ve read about 10 great loan affiliate programs, it’s time to decide on a niche. You could focus on personal loans. Personal Loans offer an easy and convenient way to find personal loan offers. Affiliates earn $110 per lead.
Even more narrowly, you could focus on types of personal loans, like “how to get a loan for doing home upgrades” as part of a DIY or house flipping website, or you could focus on how to get a personal loan when banks won’t lend money for business purposes (I ran into this problem as an online marketer, which most banks won’t lend to since they don’t understand many online concepts).
Student loan refinancing is another idea to help people save money and pay off their student loans faster. Affiliates earn $250 per completed loan with Purefly.
You could also target business loans. The Loan Exchange gives their affiliates $250 for each business loan application that refers. With regards to business loans, you probably want to focus on what type of business, be it “small business loans”, or “how to get a loan to start a food truck”.
Lastly, Payday loans are a high ticket item where folks make a ton of money, but there will be a lot of restrictions on how you can promote these high-risk money situations!
Boost Your Affiliate Earnings
These 10 affiliate programs are just the beginning of what's possible. There are hundreds of ways to earn affiliate commissions with your website, including product reviews, top 10 lists, how-to guides, and more
But what about traffic and conversions? How do you make sure your affiliate links get clicked?
I used the affiliate training here to turn my brand new website into a six-figure income generator in less than two years. Build a business, not just a pocket-money side project!
Nathaniell
What's up ladies and dudes! Great to finally meet you, and I hope you enjoyed this post. My name is Nathaniell and I'm the owner of One More Cup of Coffee. I started my first online business in 2010 promoting computer software and now I help newbies start their own businesses. Sign up for my #1 recommended training course and learn how to start your business for FREE!
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Albert Abramchuk
Hey, How do you promote these offers?
What is the best traffic source to get the best conversions?
Nathaniell
There are many ways to promote offers. Personally, I rely on organic traffic for all of my best conversions because it’s people who are naturally interested in the products, or related topic. Here’s my #1 recommended training on how to do it.