personal loan Affiliate Programs

Top 7 Best Personal Loan Affiliate Programs in 2024

Are you on the hunt for the next big opportunity to boost your earnings? Look no further than the world of personal loans. Since there is a high demand for this type of loan from consumers ...

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personal loan Affiliate Programs

Are you on the hunt for the next big opportunity to boost your earnings? Look no further than the world of personal loans.

Since there is a high demand for this type of loan from consumers of all credit scores and income levels, affiliates will have a large and diverse target audience to work with.

As you read on, you’ll discover the top-list personal loan affiliate programs. These programs offer not only impressive commissions but also establish your credibility in the world of financial affiliate marketing.

Are you ready to boost your affiliate earnings? Then don’t miss this guide!

7 Best Personal Loan Affiliate Programs in 2023


personal loan affiliate programs 1SoFi, short for Social Finance Inc., has operated in the financial industry for over ten years. The company positioned itself as a one-stop shop for various financial services, including private student loans, personal loans, mortgage loans, credit cards, insurance, and more.

In terms of personal loans, they support individuals for various purposes, including credit card consolidation, home improvement, weddings, and other unexpected expenses.

SoFi’s fund for this type of loan ranges from $5,000 to $100,000. They aim to provide competitive interest rates and simplify the application process, ensuring the best service and benefit for their customers.

Now, let’s talk about how personal loan affiliates earn from SoFi.

In fact, they have a variety of referral programs where each successful referral gives you up to $1,000. The amount of the bonus you receive depends on the product or service that your referral signs up for.

In the case of personal loans, the program allows you to earn $300 for each successful referral who receives a SoFi personal loan. Note that it’s not applied to those living in Vermont.

  • Commission rate: $300 per successful personal loan referral
  • Cookie duration: 120 days


Lead Stack Media  

personal loan affiliate programs 2

If you are looking for a reliable and profitable affiliate network to promote loan programs, Lead Stack Media is a great option to consider.

This is a leading platform in the United States, specializing in the finance industry. They offer different affiliate programs with competitive commission rates and weekly payouts.

It’s easy to sign up for the Lead Stack Media affiliate network. Simply visit their website and click on the “Get Started” button. You will then be asked to provide some basic information. Once you have completed the form, wait about 24 hours for your application to be approved.

Becoming their affiliates, you’ll promote many types of services, including personal loans, payday loans, business loans, installment loans, and more.

Whether you’re a beginner or an experienced professional, Lead Stack Media is a popular choice. They provide the best benefits that can help affiliates to succeed in the finance industry.

In particular, they offer affiliates up to 90% commission for each successful referral. In case your audience signs up through the affiliate link, you’ll earn $350 for that application.

  • Commission rate: 90% commission for each successful referral; $350 for each application
  • Cookie duration: revealed once registered
  • Payment methods:  PayPal, ACH, Bank Wire, or Payoneer
  • Payment threshold: $500



personal loan affiliate programs 3

If you want to help your audience evaluate financial services, introduce them to SuperMoney.

This online platform offers a variety of financial tools to compare personal loans, as well as other financial products and services (mortgages, credit cards, banking, insurance, to name a few).

SuperMoney is free to use. They provide a user-friendly interface that allows borrowers to input their loan requirements, such as the desired loan amount, loan term, and credit score.

After that, the platform generates a list of personal loan offers from different lenders, along with information about interest rates, terms, fees, and even ratings and reviews. This helps consumers compare their options side by side.

Now, inform this helpful service to your audience and make money by becoming an affiliate of SuperMoney.

Simply sign up on FlexOffers or their website. You’ll earn a commission of up to 50% per lead or sale based on the type of service you’re promoting.

  • Commission rate: up to 50% per lead or sale
  • Cookie duration: revealed once registered
  • Payment methods: Bank transfer, Wire transfer, Check, or PayPal
  • Payment threshold: $25 (Bank transfer, Check, and PayPal); $1,000 (wire transfer)



personal loan affiliate programs 4

LendKey is an online lending platform. It connects borrowers with potential credit unions to provide private loans and student loan refinancing options. Founded in 2009, the company has helped more than 160,000 borrowers by funding $6.3 billion in loans.

If your audiences need money for home improvements or student refinancing, refer them to LendKey. The platform offers a variety of loan terms and interest rates so borrowers can compare and choose the package that best meets their needs.

LendKey has a good reputation among borrowers. However, it is crucial to note that they are not a lender themselves. Thus, always remind your audiences to carefully review all loan offers from financial institutions before choosing one.

It’s free to become LendKey’s affiliate. You can create an account on Impact. Once approved, start promoting and get a $250 commission on each disbursed loan.

Additionally, feel free to use promotional materials offered by the platform to increase the conversion rates. They have banner ads, product benefit text, landing pages, and more for you to choose from.

  • Commission rate: $250 per disbursed loan
  • Cookie duration: 90 days
  • Payment methods: Bank transfer, Wire transfer, Check, or PayPal
  • Payment threshold: $25 (Bank transfer, Check, and PayPal); $1,000 (wire transfer)


Round Sky  

personal loan affiliate programs 5

Round Sky, founded in 2006, is a leading affiliate loan platform in the US. They work with over 50 US lenders and thousands of global affiliates to bring the best services to borrowers.

Round Sky offers different affiliate programs across services such as personal loans, payday loans, and debt settlement.

If you’re interested in their personal loan program, visit the link below for an application. Becoming their affiliate, you’ll have access to Round Sky’s marketing materials like website banners, email banners, or video creatives.

Create relevant content and use provided promotion tools to drive your visitors to Sound Sky’s website. For every qualified lead of personal loans, you’ll receive $250.

  • Commission rate: $250 per lead
  • Cookie duration: revealed once registered 
  • Payment methods: ACH, check, PayPal, or wire transfer
  • Payment threshold: $50 (ACH, check, PayPal); $100 (wire transfer)



personal loan affiliate programs 6Let’s explore another loan comparison platform to assist your audience in making an informed borrowing decision.

Lendela is a convenient and efficient way for borrowers to find the best loan for their needs. It’s available in Singapore and Hong Kong.

The company provides easy access to many lending institutions and their loan products, aiming to simplify consumers’ loan application process. They partner with many lenders, including reputable names such as HSBC, DBS, and Standard Chartered.

Lendela typically covered various types of loans (personal loans, car loans, and wedding loans, to name a few). Borrowers could apply for these loans through Lendela’s online platform. Lendela would then match them with potential lenders based on their creditworthiness, preferences, and loan requirements.

If you found this platform a good fit for your audience’s needs, join Lendela’s referring program.

When someone successfully applies for a loan program via your affiliate link, they will receive a personalized loan offer based on their financial situation and needs. If they accept that offer from Lendela, you’ll earn a referral bonus of $100.

  • Commission rate: $100 for each successful referral
  • Cookie duration: revealed once registered
  • Payment methods: PayNow
  • Payment threshold: revealed once registered



personal loan affiliate programs 7

Here is another online lending platform that offers a range of consumer loans.

LightStream primarily focused on providing unsecured personal loans with offers ranging from $5,000 to $100,000. These loans could be used for various purposes, including debt consolidation, home improvement, auto financing, wedding, medical expenses, and more.

Why should consumers choose LightStream?

Well, as a division of Truist, LightStream benefits from the reputation and credibility of a well-established financial institution.

One of LightStream’s key selling points was its commitment to providing low-interest rates to borrowers with a “good-to-excellent” credit history.

Additionally, the fact that LightStream typically does not charge origination fees or prepayment penalties can be a strong selling point. Customers appreciate cost savings. As an affiliate, you can use this feature as a benefit in your marketing efforts.

If you own a fully functional website running for at least six months, sign up for LightStream’s affiliate program, which is powered by Impact. For each funded loan via your link, you’ll receive a $60 commission.

  • Commission rate: $60 per funded loan
  • Cookie duration: 105 days
  • Payment methods: direct transfer, BACS, or PayPal
  • Payment threshold: revealed once registered


Why You Should Join a Loan Affiliate Program?

Joining a loan affiliate program can be an attractive opportunity for individuals or businesses looking to earn money by matching borrowers with suitable loan products or services.

To help you thoroughly understand how you can benefit from these programs, we’ve gathered some insights below:

High earning potential

Loan affiliate programs often offer a generous commission structure. This can result in substantial earnings, especially if you refer a high volume of qualified leads.

Easy to join

Loan affiliate programs typically have a low barrier to entry. You can sign up online, and once approved, you can start promoting loan offers and earning affiliate commissions.

Expansive market and diverse loan types

Loans are one of the fundamental financial services. There is a constant demand for this niche, creating an expansive market with countless potential borrowers.

Moreover, loan affiliate programs offer various types of products and services, so you can choose to promote the ones that are most relevant to your audience. This allows you to cater to a broad audience. From that,  increase your chances of getting commissions.

Helping others

As an affiliate, you’ll provide educational content and guidance about loans and related information to borrowers. Plus, by matching them with the right loan products, you can help them secure financial assistance that suits their circumstances.

Educational Opportunities

Promoting loan affiliate programs can also be an educational experience. You’ll need to understand crucial information such as lending terms, interest rates, credit scores, and many other financial concepts.

This is perfect for improving your personal financial literacy. If there’s any likelihood that you will promote further financial products, this education is helpful.

How to Choose the Best Loan Affiliate Program?

Do you want to be a successful affiliate marketer in the loan niche? Then, consider these basic steps and tips that help you choose the best program.

Know Your Audience

If you want your referral to have a good result, make sure what you promote aligns with your audience’s needs and preferences.

What types of loans are they most likely to be interested in? What are their financial goals? Are they looking to consolidate debt, pay for a home renovation, or start a business?

Once you understand your audience well, you can tailor your marketing plans to their specific needs. For example, if you target people with good credit, you can promote loans designed for people with high credit scores.

Research loan programs

There are a variety of loan programs available.

Thus, it’s essential to compare them before narrowing down your choice. This includes comparing their eligibility requirements, interest rates, fees, repayment terms, etc.

Here’s the tip: You can use a loan comparison website like SuperMoney or Lendela to compare loan programs from different lenders.

Choose potential programs

Besides choosing programs relevant to your target audience’s financial needs and pain points, it’s essential to consider several factors to ensure a high potential of earning commissions. They include:

  • Brand reputation and product quality

You don’t want to promote quick loans with high interest rates or hidden fees, right? So, make sure to promote loan products from reputable lenders. This will help your customers have a positive experience and ensure you are not associated with unethical practices.

  • Commission structure

We always prefer high commission rates. However, make sure the program’s offer aligns with their product quality and your goals.

  • Marketing resources and support

Look for programs that provide their affiliates with good support, effective systems for tracking links, and creative promotional tools (banners, landing pages, and texts, for instance). This can save you time and effort and help you create effective marketing campaigns.

How to Make Money With Personal Loan Affiliate Programs?

Wondering how to make money with personal loan programs? We have some ideas for you:

Create a related blog or website

The most reliable way is to write informative content about personal loans. It could be articles, guides, and blog posts that educate readers and address their common concerns related to this niche.

For example, you can include reviews of different lenders and their loan programs, comparisons of interest rates and fees, or tips on how to choose the right loan.

If possible, optimize your content for search engines so that more consumers know about you. This will give you more organic traffic and conversions.

Don’t forget this part: including provided links in your content. Once the readers apply for a loan, you can earn a commission.

Use social media profiles

Another powerful strategy for promotion is using social media platforms to share links.

For personal loan affiliate marketing, those like Facebook, Twitter, LinkedIn, and Instagram are often effective choices. Since each platform has unique strengths, consider developing specific content strategies combining educational, informative, and promotional elements.

For instance, you can share posts that explain personal loan concepts and offer financial tips on Facebook or Twitter. While sharing, incorporate eye-catching graphics and images to perform better and attract more attention.

Email marketing campaigns

Email marketing allows affiliates to establish a direct line of communication with their audience and encourage them to take action. But first, do your research to see whether this method is available at your chosen programs.

Now, use promotional emails to recommend specific personal loan programs and include your unique links. Note that these emails should be balanced between value and promotions. Plus, make them responsive and visually appealing.


  • How much money can I earn as a personal loan affiliate?

Actually, the amount of money you can earn as a personal loan affiliate depends on several factors, such as your chosen lenders’s commission structure and conversion rate.

For example, if you join Sofi, you’ll get $300 for each qualifying referral. Meanwhile, loan products of Lendela allow you to receive $100 if they’re funded.

  • Are there any restrictions when promoting personal loan affiliate programs?

While it’s almost free to join loan affiliate programs, you need to learn about the regulations of your country/state as well as the programs’ terms and conditions to see whether there are any restrictions.

For instance, examine the eligibility requirements of the borrowers, such as their age, credit score, and other financial issues.


To sum up, personal loan affiliate programs are a golden gateway to affiliate marketing success.

They offer you a unique opportunity to tap into a constantly growing market with the potential for substantial commissions.

Before diving in, however, affiliates should thoroughly research and select reputable programs that adhere to industry regulations and provide transparent financial services.

Approach this niche with care, and you’ll discover a world of opportunity while ensuring the trust of your audience.

Joan, a creative mind and author behind UpPromote blog. Writing has always been my sanctuary, a place where I can explore my imagination and share my unique perspective on the world of eCommerce. Through my words, I strive to explain the complexities of the digital world and showcase its potential for innovation, growth, and limitless opportunities.