A personal loan submission is often referred by close people, so referring your friend would be a great way to boost your earnings. According to The Wall Street survey, borrowers owe up to $245 billion for personal loans in the first quarter of 2024 in the US.
Knowing the potential of this niche, we’ve collected the top 19 personal loan affiliate programs in this article. So, you can consider and choose the best one to become a loan affiliate and make extra income.
In addition to personal loans, we also rounded up other best affiliate programs for business loans and mortgages. These programs can be a lucrative option if you have a connection to business owners or homebuyers.
TL;DL
Want to turn your financial knowledge into cash? Discover the best personal loan affiliate programs to help you monetize your content.
- Ascent Student Loan (Commission: $125, Cookie: 90 days)
- Zippy Loan (Commission: $45, Cookie: 1 day)
- Vivaloan (Commission: $45, Cookie: 1 day)
- FairStone (Commission: $150-200, Cookie: 30 days)
- Lead Stack Media (Commission: 90%)
- MyAutoLoan (Commission: $5, Cookie: 45 days)
- Upstart (Commission: 1%, Cookie: 15 days)
- Round Sky (Commission: $250)
- New Silver (Commission: $50, Cookie: 60 days)
- BadCreditLoans (Commission: 76%, Cookie: 45 days)
Top 19 High-paying Personal Loan Affiliate Programs
Want to know which loan companies offer the best affiliate programs? Take a look at the below table for the best choice:
|
The best affiliate programs |
Program name |
|
Affiliate program with unsecured loans |
Zippy Loan, Fairstone, Upstart, SoFi, OppLoans |
|
Affiliate program with student loans |
Ascent Student Loan, SoFi, Laural Road, Upstart |
|
Affiliate program with small loans |
Zippy Loan, Vivaloan ($100), PersonalLoan ($250) |
|
Affiliate program with the highest commission rates |
Lead Stack Media (90%) |
|
Affiliate program with the longest cookie duration |
Ascent Student Loan (90 days) |
|
Affiliate program with the most payment methods |
Upstart (PayPal, check, wire transfer, direct deposit, ACH) |
|
Affiliate program that requires a payment threshold |
Lead Stack Media ($500) |
|
Affiliate program with the most promotional materials |
Upstart, Ascent Student Loan |
1. Ascent Student Loan
Ascent Student Loan is on a mission to help the student achieve their college dream with zero fees for college loans. They provide low rates and bigger discounts for student loans with up to 40 payment options.
The brand’s student loan affiliate program offers up to $125 per approved loan. The cookie duration is tracked for 90 days from the first click of the customer.
Ascent Student Loan has a full selection of custom text links and banners for affiliates to choose from. They even give exclusive offers to your audience to improve subscription rates.
|
2. Zippy Loan
Zippy Loan manages an extensive network of lenders to give you premium access to personal loans.
The platform is particularly popular for individuals seeking unsecured loans, meaning no collateral is required. By filling out a 5-minute online form, borrowers can receive up to $15,000 from Zippy Loan in a day.
This unsecured personal loan affiliate program offers a commission rate of $45 per lead. Notably, the cookie is only tracked for 1 day, so affiliates can only earn a credited commission within 24 hours.
Zippy Loan allows their publishers to promote through content and email marketing. However, any attempt to use coupon codes or discounts will be banned from their program.
|
3. Vivaloan
Vivaloan is a free, no-obligation service that connects potential borrowers with lenders who provide loans. After filling out the online form, loan applicants can apply for up to a $10,000 personal loan.
The Vivaloan affiliate program is run by Awin – a trustworthy affiliate network. Vivaloan allows affiliates to receive up to $45 for a funded loan. The cookie duration is only activated for 24 hours for their partners to earn a commission.
Affiliates can promote Vivaloan products through their content channels and email marketing. However, they should avoid using coupon codes or cashback offers.
|
4. FairStone
FairStone is a leading Canadian lender with over 250 branches nationwide. They specialize in personal loans and home equity loans that meet the needs of most people today.
To join the FairStone affiliate program, you need to sign up through CJ Affiliate. The brand pays commission rates for different target customers:
- $200 per booked homeowner
- $150 per booked non-homeowner
The cookie length remains active for 30 days to earn a credited commission from Fairstone. Fairstone provides dedicated project managers to assist affiliates in maximizing their earning potential.
|
5. Lead Stack Media
Lead Stack Media is among the best marketplaces for personal finance offers in the USA. They give access to more than 20 direct personal loans for affiliates and remarkable traffic for advertisers.
Their affiliate program has one of the highest commission rates in the industry, with up to 90% commission per lead. For every successful application, affiliates could earn about $300-350 payouts.
Lead Stack Media pays their affiliates via various payment methods, including ACH, bank wire, PayPal, or Payoneer. They pay on a weekly basis, but you must exceed a $500 payment threshold to receive your earnings.
|
6. MyAutoLoan
Are you having trouble with personal auto loan payments, interest rates, or loan terms? MyAutoLoan has a solution for you with their auto loan refinancing.
Manage through CJ Affiliate, the MyAutoLoan affiliate program offers a $5 commission for a qualified application. The tracking period for approved commissions is up to 45 days.
MyAutoLoan allows affiliates to promote their products only through different social media. They also send out email creatives to help promote more efficiently.
|
7. Upstart
Upstart is an online lending platform with low fixed rates in the market. Upstart considers your school and work information rather than your credit score to give you the right loan offers.
Managed through Impact, the Upstart affiliate program pays a 10% commission rate for their affiliates for each sale. The minimum personal loan at Upstart is from $1,000 to $50,000, so you could earn $3,000 a month with just one sale per day. Note that the cookie duration lasts for only 15 days.
Affiliates can receive promotional tools, including images and text links, to promote Upstart effectively. You can also use email marketing to promote their service to your audience.
|
8. Round Sky
Round Sky works with lenders and loan publishers across the US to offer payday loans. They process over 20,000 personal loans every day.
You can join the Round Sky payday affiliate program directly on their website. Round Sky pays up to $250 commission for every valid loan request form submission. Round Sky makes payout transactions on a weekly and monthly basis for their affiliates to receive money regularly.
Round Sky has more than 50 CPA and Revshare offers for affiliates to choose from. Affiliates can also use their diverse templates for their website widgets to fit the promotion campaign.
|
9. New Silver
At New Silver, you can apply for private hard money loans to solve real estate financing concerns. Starting with an easy 5-minute application, you can borrow up to $5,000,000 loans from New Silver.
Based in the USA, this personal loan affiliate program is managed through FlexOffers. Affiliates could earn up to $50 for each completed loan application. For closed loans ranging from $500 to $3000, affiliates will receive 50bps (basis points).
The cookie duration is 60 days. Therefore, publishers only get credited referrals within 2 months of the first affiliate click of followers.
|
10. BadCreditLoans
BadCreditLoans connects lenders and their customers through their lender network. You can select the lender that offers the most suitable personal loan for your needs based on the rate and fee.
The BadCreditLoans affiliate program is managed through FlexOffers. Through their unique link, affiliates can earn up to a 76% commission rate on every subscription at BadCreditLoans.
The cookie period is 45 days, which means your approved commission will only be credited in this tracking time.
|
11. OppLoans
- Commission rate: $150
- Cookie duration: 15 days
OppLoans creates personal loan offers with fixed interest rates for their customers. At OppLoans, you don’t have to charge origination or prepayment fees.
12. Post Office Personal Loan
- Commission rate: £60 (~$78)
- Cookie duration: 30 days
Post Office Personal Loan has been a leading financial service in the UK for over 370 years. You can find any personal loan with more than 11,800 branches in their network.
13. OfferMarket
- Commission rate: $250
- Cookie duration: Not mentioned
OfferMarket is a real estate investing platform and private lender in the US with the highest leverage and lowest fees. Offer Market pays up to $250 for every successful referral to their website.
14. PersonalLoan
- Commission rate: 76%
- Cookie duration: Not mentioned
PersonalLoan gives you access to personal loans with an easy and convenient application. Through their online service, you can get a loan from $250 to $35,000.
15. Laural Road
- Commission rate: $400
- Cookie duration: Not mentioned
Laural Road has helped thousands of students with more than $9 billion in federal and private school loans since 2013. Their referral program allows you to earn up to $400 when your friend applies for a student loan or personal loan.
16. Panacea Financial
- Commission rate: Up to $250
- Cookie duration: Not mentioned
Panacea Financial is designed for physicians, dentists, and veterinarians with financial needs. Their personal loan program is focused on helping doctors throughout their careers. When referring a friend to the program, you can earn up to $250 per lead.
17. LeadScout
- Commission rate: $750
- Cookie duration: Not mentioned
LeadScout is a popular lender platform in Canada with a network of 45+ Canadian lenders. Their loans are diverse, ranging from car loans and personal loans to HELOC’s to title loans.
Join the program
18. Lendela
- Commission rate: $100
- Cookie duration: Not mentioned
Lendela is a loan-matching platform for borrowers to find personal loans from banks and over 100 loan providers. In less than 10 years, they have served more than 300,000 satisfied customers.
19. SoFi
- Commission rate: $300
- Cookie duration: Not mentioned
SoFi supports you in achieving independent finance as the first company to launch student loan refinancing. When your friend applies for SoFi’s personal loan through your unique link, you can earn $300 as a reward.
Conclusion
So, it’s actually easy to earn money by simply referring a friend to these personal loan affiliate programs. Whether it is a personal loan, payday loan, or student affiliate program, we’ve listed the top choices in 2024.
With the right program, you can enjoy the benefits of flexible work hours, passive income, and the satisfaction of helping others achieve their financial goals.
