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Generate High Profit With 9 Best Auto Loan Affiliate Programs 2024

The auto loan niche has been experiencing high demand and shows immense growth potential. Despite concerns about saturation, there is no need to worry, as many marketers give up too quickly due to a lack of ...

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auto loan affiliate programs

The auto loan niche has been experiencing high demand and shows immense growth potential. Despite concerns about saturation, there is no need to worry, as many marketers give up too quickly due to a lack of knowledge and effective promotion strategies.

But fear not, as this blog post is here to guide you toward affiliate marketing success! We have compiled a list of the top 9 auto loan affiliate programs for 2024 and analyzed critical reasons for you to understand the market better.

With this knowledge, you can easily overcome any difficulties and make a profit. We also provide valuable advice on promoting this service successfully.

That’s sound interesting. Let’s start!

9 Best Auto Loan Affiliate Programs for 2024

Reveal the top high-profit 9 affiliate programs for the auto loan niche!

Auto Credit Express

Auto Loan Affiliate Programs 1

What sets Auto Credit Express apart from other loan affiliates? The team of conversion specialists is dedicated to monitoring and testing conversion rates for affiliates and their landing pages.

The affiliate representative will work to identify the most effective landing pages and optimize the traffic for maximum conversion rates. Plus, they offer customizable creative options to enhance the consumer experience and drive traffic.

So, who can join the program? As long as you have a high performing affiliate website that meets our basic requirements, you’re eligible! And once you’re approved, they provide you with all the tools and support you need to maximize your sales through your site.

All you have to do is use the specially designed banners and tracking links provided by Auto Credit Express.

But why should you join the program? For starters, it’s an easy way to make money with minimal effort. Auto Credit Express handles everything, including tracking referrals and making payments.

Plus, becoming an Affiliate adds value to your site by offering customers more reasons to keep coming back. Affiliates will have access to the Affiliate Portal, which can monitor conversion stats, creative, and reporting for your referral traffic.

The program accepts 100% of all valid U.S. applications submitted, and they also welcome applications from certain areas in Canada.

  • Commission rates: Revealed once registered!
  • Cookie duration: Revealed once registered!
  • Payment details: Monthly with a minimum payment of $100!
  • Eligibility requirements: Fill out the application with the information required!


Auto Loan Affiliate Programs 2

CarsDirect offers a unique car-buying experience that takes the stress out of the process. The website provides a complete selection of new cars and trucks. It allows customers to configure their dream car without any pressure or hassle.

But that’s not all. They also connect customers to the Internet Department at a Trusted Dealership to make your final purchase with confidence.

At CarsDirect.com, they understand that negotiating with dealerships can be intimidating. That’s why they offer the CarsDirect Price as a Target Price. It means you can drive away from the dealership knowing you got a great deal and didn’t overpay for your car!

With these excellent services, it’s a big chance for every seasoned affiliate marketer to promote! The commissions are $7.00 for a Dealer Request Lead for CarsDirect, $6.00 for a Finance Lead for CarsDirect, and $6.00 for a Dealer Request Lead for Autos.com (requires a separate website affiliate program link).

To ensure affiliates get the most out of the experience, they have made it simple for you to use our website. Affiliates can easily navigate through the selection of vehicles. And if marketers have any questions/ concerns, their customer service team is always available to assist.

  • Commission rates: Up to $8 per lead
  • Cookie duration: Revealed once registered!
  • Payment details: Hold payments if the monthly payment is below 50 AUD/CAD/EUR/GBP/USD.
  • Eligibility requirements: Fill out the application!

Consumers Credit Union

Auto Loan Affiliate Programs 3

Consumers Credit Union (standing for CCU) is a financial institution that has been around since 1930. They provide services comparable to those of a bank.

However, unlike banks, CCU is not-for-profit and member-owned, meaning it has memberships instead of customers. It translates to focusing on member happiness rather than driving up profits just because shareholders demand it.

CCU’s approach centers on transparency, simplicity, helpfulness, integrity, positivity, and inclusion. They always put their members first. Of course, they always offer high deposit rates, low loan rates, and low or no-fee products/ services.

Therefore, customers can trust CCU to deliver value and support, regardless of their financial background and needs.

As a Consumers Credit Union affiliate, you’ll enjoy various perks. It includes a cookie length of 30 days, updated creative, and a dedicated affiliate management team to support you.

With CCU, you’ll have access to a financial partner that cares about your well-being and success, providing you with the tools and resources you need to thrive.

  • Commission rates: Revealed once registered!
  • Cookie duration: 30 days.
  • Payment details: Revealed once registered!
  • Eligibility requirements: Complete the application form!


Auto Loan Affiliate Programs 4

Are you a website owner looking to increase traffic while simultaneously providing a valuable service to your visitors? If so, partnering with the leader in the auto financing industry could be the perfect solution for you.

myAutoloan.com is a hub for consumers to research, finance, buy, and drive their next vehicle. With auto loans available for consumers across the credit spectrum, affiliates can feel confident in offering a service that meets the needs of all their visitors.

Joining the program is quick, easy, and the best part – it’s free! Place an approved graphic link on your site to myAutoloan.com and start terms of earning today.

Commission Junction makes it easy for you to partner with the affiliate program. But you must read the affiliate agreement and complete the online application. Once your application is approved, you’ll receive a login and linking instructions, and they will take care of the rest.

With the comprehensive resources, including calculators, crash test results, and vehicle values on all makes and models. Affiliates can rest assured that your visitors will have all the information they need to research their next vehicle.

  • Commission rates: $5 per lead.
  • Cookie duration: Revealed once registered!
  • Payment details: Monthly.
  • Eligibility requirements: Fill out the application!


Auto Loan Affiliate Programs 5

AUTOPAY is a service that connects customers with a network of trusted lenders who compete to offer the lowest APRs, with rates as low as 2.99%.

AUTOPAY’s commitment to security is a significant selling point, and rightly so. They use 128-bit encryption, the same level of protection used by central banks, to protect their customers’ data. It is crucial today, where 67% of consumers worry about their identity being stolen and used fraudulently.

While AUTOPAY doesn’t operate a car loan affiliate program, they do offer a referral program that pays $100 per successful loan funded. Whether you want to manually submit your referrals’ contact details or ask them to share your information. It’s worth considering this referral program as an enticing option.

  • Commission rates: $100 per loan fund
  • Cookie duration: Revealed once registered!
  • Payment details: Monthly!
  • Eligibility requirements: Fill out the application!


Auto Loan Affiliate Programs 6

The Upstart platform offers car refinance deals that can help customers save an average of $1,234 annually. And the best part? Customers can check their rates in just a few minutes and get access to funding the very next day!

Additionally, Upstart is known for delivering exceptional customer experience, as evidenced by its “Excellent” Trustpilot rating based on 40,000+ reviews.

As a savvy affiliate marketer, you know that reviews are critical for building trust and driving conversions. After all, 89% of consumers read reviews before making a purchase!

So why not join Upstart’s car loan affiliate program and earn 1% per funded loan, with a 30-day cookie duration? As an affiliate, you’ll be able to leverage deep linking and direct your audience to the most relevant page for their needs.

Plus, with Upstart’s impressive track record and commitment to customer satisfaction, you can feel confident promoting their services to your audience.

  • Commission rates: 1% per funded loan
  • Cookie duration: 30 days
  • Payment details: PayPal/ check/ wire transfer/ direct deposit/ ACH transfer
  • Eligibility requirements: Fill out the application!


Auto Loan Affiliate Programs 7

Caribou is a fintech platform that believes in the power of seeing people as people. They offer their affiliate partner many benefits. It ranges from competitive commission rates to dedicated support to ensure they feel like a part of the Caribou crew.

One of the most attractive things about Caribou is their award-winning Affiliate Management by Acceleration Partners. It is a testament to their commitment to providing their affiliate partners with the best possible support

Another highlight of Caribou’s affiliate program is their tiered commission structure. It means that the more successful an affiliate drives traffic and sales, the higher their commission rate will be. What an excellent incentive for affiliates to work hard and get results!

But what sets Caribou apart is their 30-day cookie window. Suppose a customer clicks on an affiliate’s link and doesn’t make a purchase immediately.

In that case, the affiliate will still earn a commission if the customer purchases within 30-day of clicking the link. It is a massive advantage for affiliates, giving them a more extended opportunity to earn commissions.

Caribou’s platform is designed to support customers in saving an average of $100+ on their monthly car payments. It is a powerful selling point in a budget-conscious market, and it’s one that affiliates can use to their advantage.

In addition to its attractive commission rates and cookie window, Caribou supports deep linking and influencer partnerships.

  • Commission rates: $100 per funded valid loan application. For the bonus rate tier action range, $150 per order for 5-9 products, $250 per order for 10-19 products, and $300 per order for 20+ products.
  • Cookie duration: 30 days
  • Payment details: PayPal/ check/ wire transfer/ direct deposit/ ACH transfer
  • Eligibility requirements: Fill out the application!


Auto Loan Affiliate Programs 8

LightStream is a leading online consumer lender specializing in providing finance packages to borrowers with good to excellent credit scores.

The best feature of LightStream is that it offers a satisfaction guarantee to its customers. If unsatisfied with your experience, you can complete a survey and get $100 in return. That’s an offer you can’t refuse!

In addition to this, LightStream also pledges to plant a tree for each loan that it funds. This is an excellent initiative by the company, as 48% of consumers want brands to take the lead in creating sustainable change.

If you are interested in becoming an affiliate of LightStream, you can join their affiliate program and earn $60 per funded loan. Moreover, LightStream’s window for the car loan affiliate program is 105 days – So long! It gives you the best chance of earning a commission from your referrals.

You must be wondering about the rates and payment terms. Well, LightStream’s rates are based on loan purpose, loan amount, loan terms, payment method, and the customer’s credit profile.

You can view the current rates and payment terms before applying or submitting any sensitive information.

  • Commission rates: $60 per funded loan
  • Cookie duration: 105 days
  • Payment details: PayPal/ check/ wire transfer/ direct deposit/ ACH transfer
  • Eligibility requirements: Fill out the application!


Auto Loan Affiliate Programs 9

CarFinance 247 is the UK’s Number 01 online car finance broker. Rated excellent on TrustPilot, they offer a simple 5-step process to help customers find a finance option that suits their needs and budget.

They even provide van, motorbike, and motorhome finance! If customers have bad credit, CCJs, IVAs, or arrears from bankruptcy, they may still be able to help. The company will consider all circumstances and offer an optimized application form, with decisions made in just minutes.

The rates start from 6.9% APR, with a representative APR of 19.9%.

The company designs the affiliate program to reward you for each successful loan paid out. The commission is paid to affiliates once the deal has been completed, and the sale will be validated once the 14-day cooling-off period has passed.

Why promote them? They boast a high approval rate and conversion from approval to loan, with a cookie duration of 30 days.

Plus, they offer a library of banners and logos for you to use, with email creatives available upon request. Their dedicated affiliate manager is always general to help!

  • Commission rates: From 6.9% APR, Representative APR 19.9%
  • Cookie duration: 30 days
  • Payment details: Monthly.
  • Eligibility requirements: Read carefully and follow the guide!

Benefits of Joining Auto Loan Affiliate Marketing Programs 

All you can see is how affiliate marketing programs support their affiliate! Of course, these auto loan companies want to sell more services and expand their improvement! Therefore, using affiliates is an effective strategy to gain this purpose as fast as possible!

However, in the affiliate’s aspect, you also can gain credible benefits! This is a win-win situation that allows you to grow your business while also providing value to your community.

We will analyze more about these two biggest benefits with updated statistics!

Genuine earning potential because of high demand

Did you know the global car loan market, valued at $1.9 trillion in 2021? It is projected to reach a staggering $5.6 trillion by 2031 and grow at a compound annual growth rate of 11.5%! That means a high-demand market with immense potential for affiliates to tap into.

ALT-text: Number of auto loans in the US

In the US alone, there were 115.98 million car loan accounts in 2019, and 85.5% of newly purchased vehicles were financed in 2020 (by Capital Counselor). Americans currently owe $1.55 trillion in car loan debt, constituting 9.17% of all consumer debt in the country.

On average, Americans take out $53.9 billion in new auto loans each month, and approximately 81.4 million individual adults currently hold a loan.

An additional 38.1 million are planning to get a loan in the future, which brings the projected total of Americans with an auto loan to 119.6 million! (by Finder)

These statistics show that the auto loan market is not only booming but also presents an excellent opportunity for affiliates to earn substantial income.

Help your audience save money & enhance marketing efforts

Joining an auto loan affiliate program can be highly beneficial, mainly because it allows you to assist your audience in saving money. This approach has several advantages that can enhance your affiliate marketing efforts.

Firstly, it fosters trust and loyalty among your audience. When you provide valuable information that aids in financial savings, your audience appreciates your efforts and is likelier to return to your site for future needs. This loyalty can translate into consistent traffic and potential conversions.

Secondly, content that helps save money tends to be shared among friends and family, leading to increased engagement. This word-of-mouth marketing can significantly boost your site’s traffic and, ultimately, lead to more conversions.

Thirdly, audiences are more likely to take action if they believe they’re getting a good deal. This perception can lead to higher conversion rates, which directly impacts your commission as an affiliate.

Fourthly, by helping your audience save money, you position yourself as a helpful and reliable resource. It not only enhances your brand image but also increases the likelihood of your audience recommending your site to others.

Lastly, in a competitive affiliate marketing landscape, offering money-saving tips can give you a competitive edge. It provides a compelling reason for your audience to choose your site over others.

In overview, helping your audience save money is not just beneficial for them. Still, it also significantly contributes to your success as an affiliate marketer in the auto loan affiliate program.

How to Earn From Auto Loan Affiliate Programs? 

Here are some tips on how to earn from auto loan affiliate programs:

Choose the right auto loan programs through the affiliate network. There are many different auto loan affiliate programs available, so it’s essential to choose ones that are a good fit for your audience and interests.

Consider factors such as the commission rates, cookie duration, the variety of loan products available, and the lender’s reputation, etc.

Use targeted marketing. Don’t just promote auto loan offers to everyone. Target your marketing efforts to people interested in buying a car or getting an auto loan.

Promote the auto loan offers on your website or blog. If you have a website or blog, you can promote auto loan offers. Common ways are to write articles or blog posts about them, create comparison tables or charts, and add affiliate links to your content.

Use social media to promote auto loan offers. Social media is powerful if you know how to use it. Share links to your articles or blog posts, create social media posts about the loan offers and run social media ads.

Use email marketing to promote auto loan offers. If you have an email list, you can use email marketing to promote auto loan offers to your subscribers. Why don’t you email newsletters with information about the loan offers and links to your affiliate pages?


We hope you can believe in the potential of the auto loan niche with our accurate statistics provided! With some practical ways to earn money, you should choose the most suitable auto loan affiliate programs! After that, understand the target audience and use strategies to promote successfully!

The 9 programs above are the best in 2024, with attractive policies and high commissions! Nothing is impossible! Even if you are a beginner, just make an effort and intelligent work, and you can generate revenues!

Don’t hesitate any more to start! And remember our advice and tips! Thank you for reading!

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.