Experian has reported that the average auto loan amount reached $41,086 in the third quarter of 2024. With this thriving number, the average commission payout of this niche is higher than other finance services. If you’re a new affiliate, tapping into this industry doesn’t sound bad at all.
You don’t need to worry about finding a suitable program because we’ve done this step for you. Keep reading this list of the 10 best auto loan affiliate programs, and you might find out the best one.
There are some relevant niches to help you make the most of your earning potential. You can consider personal loans, business loans, payday loans, or financial affiliate programs.
Quick Comparison
| Program Name | Commission (%) / Amount | Cookie Duration (Days) | Niche Suitable | Affiliate’s Rating |
|---|---|---|---|---|
| Upstart | 1% per funded loan | 30 | Auto loans, refinancing | ⭐⭐⭐☆☆ (3/5) |
| Consumer Credit Union | 0.5% per funded loan | 30 | Auto loans, classic cars, motorcycles, RV | ⭐⭐⭐☆☆ (3/5) |
| Caribou | $150–$300 per funded loan (tiered) | 30 | Auto refinancing | ⭐⭐⭐⭐☆ (4/5) |
| myAutoloan | $15 per subscription | 45 | Auto loan comparison, budget users | ⭐⭐⭐☆☆ (3/5) |
| AAA – Auto Club | $10 per purchase | 45 | Auto loans + insurance | ⭐⭐⭐☆☆ (3/5) |
| Carmoola (UK) | £300 per qualified loan | 30 | UK auto loans & refinancing | ⭐⭐⭐⭐⭐ (5/5) |
| FairStone (Canada) | $150–$200 per funded loan | 30 | Canada auto/personal loans | ⭐⭐⭐⭐☆ (4/5) |
| BadCreditLoans | 76% commission | 45 | Bad credit auto loans | ⭐⭐⭐⭐⭐ (5/5) |
| Axos Bank | $100–$150 per completed subscription | 30 | Auto loans & refinancing | ⭐⭐⭐⭐☆ (4/5) |
| Viva Finance | $50 per loan | 60 | Low-income auto loans | ⭐⭐⭐☆☆ (3/5) |
Top 10 Auto Loan Affiliate Programs to Monetize Your Existing Traffic
1. Upstart
Upstart applies AI to assess auto loans based on users’ credit scores and employment history. They provide loans of $9,000 to $60,000 for purchasing both new and used cars.
You need to sign up for Impact Radius to join the Upstart auto loan affiliate program. After joining their program, you can earn a 1% commission on every qualified funded loan.
The cookie duration remains active for 30 days from customers’ first click on your link. If they purchase within this time, you’ll earn a commission.
|
2. Consumer Credit Union
Consumer Credit Union provides low-rate auto loans for brand-new cars, classic autos, used cars, motorcycles, and RVs. They also partner with TrueCar to help users buy vehicles at a competitive price.
Managed by Impact Radius, the Consumer Credit Union affiliate program offers a 0.5% commission on every sale. You should note that they only count your commission once customers complete their loan submission.
You’ll have 30 days from customers’ first click to earn a commission. That means you can only get credit for purchases within this period.
|
3. Caribou
Caribou creates refinancing plans to help users save money on their monthly car loan. They offer plans for private vehicles only, such as cars, trucks, and SUVs.
You can join the Caribou auto loans affiliate program and enjoy up to a $150 commission on a qualified funded loan. They’ll upgrade your affiliate tier based on the monthly number of sales.
- 5-9 sales: $200 commission
- 10-19 sales: $250 commission
- 20+ sales: $300 commission
The more sales you generate, the higher commission you can get. The cookie duration lasts 30 days from customers’ first click on your link. If they make a purchase during this time, you’ll get your commission.
|
4. myAutoloan
myAutoloan connects borrowers with various trusted auto loan lenders. Less-than-perfect credit users can compare real-time offers to find budget-friendly loans for their new vehicles.
myAutoloan runs their affiliate program via CJ Affiliate, offering a $15 commission on every qualified subscription. The cookie duration is 45 days, starting from customers’ first click on your link.
You can utilize their eye-catching banners to boost your content attraction among other competitors. Additionally, you should customize links and buttons to align your content with the audience’s preferences.
|
5. AAA – Auto Club
AAA – Auto Club provides auto loans for vehicles of over $5,000 in the US. They also create various refinancing options and insurance to guarantee borrowers’ benefits and financial health.
The brand allows affiliates to earn a $10 commission on each successful purchase. The only way to join the AAA – Auto Club affiliate program is to sign up for CJ Affiliate, their third-party affiliate network.
The cookie duration starts counting once customers click on your affiliate link. If they purchase within 45 days, you’ll earn your approved commission.
|
6. Carmoola
Carmoola offers automotive auto loan offers and car refinancing solutions for UK residents. Borrowers can easily receive budget approval with their driver’s licenses and basic personal information.
Managed through Awin, the Carmoola auto loan affiliate program offers up to £300 for every qualified loan subscription. You’ll receive commission payouts once customers retain their car finance for at least 20 days.
The cookie duration remains active for 30 days once customers click on your link. If they purchase within this time, you’ll earn a credit.
|
7. FairStone
FairStone is a top Canadian lender that provides personal and auto loans of up to $60,000. They develop an automotive calculator to help borrowers estimate the potential impact on their payments.
Once joining this car loan affiliate program, you can earn up to a $200 commission on each purchase based on borrower type.
- Homeowner: $200 commission
- Non-homeowner: $150 commission
The cookie duration lasts 30 days and starts counting once customers click on your link. If they make a purchase during this time, you’ll earn a commission.
The FairStone affiliate manager will give you support and detailed investment information for creating promotional content. You can ask any questions about their program and products to build suitable marketing strategies.
|
8. BadCreditLoans
BadCreditLoans helps individuals with poor credit histories find suitable personal, home, and auto loans. Their network of state and tribal lenders allows users to borrow up to $10,000 for each loan.
BadCreditLoans runs their auto loan affiliate program via FlexOffers. After joining their affiliate program, you can enjoy up to a 76% commission on every qualified loan subscription.
The cookie duration is 45 days, starting from the moment customers click on your link. Any purchases made during this time will be counted as your qualified commission.
|
9. Axos Bank
Axos Bank helps users manage current auto loans and find suitable refinancing plans to save money. They also offer various auto loan options for all vehicles, except for commercial ones.
You can join the Axos Bank affiliate program via CJ Affiliate, their third-party affiliate network. Axos Bank pays from $100 to $150 for a completed subscription via your link.
The program also offers a 30-day cookie duration starting from customers’ initial click on your link. Therefore, you can earn a credit for any purchases within this time.
|
10. Viva Finance
Viva Finance is a top affordable loan service for low-income employers. They structure repayment plans to fit borrowers’ monthly budgets and support their stable finances.
The only way to join the Viva Finance auto loan affiliate program is by signing up for CJ Affiliate. You can enjoy a $50 commission across all types of loan subscriptions.
You can only earn a commission for purchases within a 60-day cookie duration. You can include promotional codes in your content to attract more attention and drive conversions better.
|
Conclusion
Ultimately, an affiliate program opens a powerful new door for your Shopify auto loan business.
You can build credibility and reach a wider audience through trusted partners in the community.
With UpPromote, launching and managing that program becomes simple and efficient. We make it easy for you to reap the rewards of affiliate marketing without the operational headaches.
Don’t hesitate, and look at our pricing plans to take the first step in your affiliate marketing journey today.
Ellie Tran, a seasoned SEO content writer with three years of experience in the eCommerce world. Being a part of the UpPromote team, Ellie wants to assist Shopify merchants in achieving success through useful content & actionable insights. Ellie's commitment to learning never stops; she's always eager to gain more knowledge about SEO and content marketing to create valuable content for users. When she's not working on content, Ellie enjoys baking and exploring new places.
