Top 10 Loan Affiliate Programmes For Monetising Any Type Of Online Business

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 programmes have compensation rates in the hundreds of dollars per lead or sale, so be sure to check out these great loan affiliate programmes below.

loan affiliate programmes to make money with your affiliate niche website

Loan Affiliate Programmes

The Loan Exchange

screenshot of the affiliate sign up page for The Loan Exchange

The Loan Exchange provides customized loan offers in just a few minutes and same-day funding

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 customised loan offers in just a few minutes. Once you select an offer and finalise the documents, you get the money in your checking account the same day.

To sign up for The Loan Exchange affiliate programme, 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.

Reasons To Promote The Loan Exchange: Simple application process, same day loans, high completed loan application and commission flat fees.

Bonus: Affiliates can earn an extremely high commission fee of $250 for completed business loan applications and $50 of personal loan applications.


screenshot of the affiliate sign up page for Upstart

Upstart offers personal loans for debt consolidation, large purchases, credit card refinancing, and more

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 programme. Affiliates can sign up by searching for them in the advertiser’s section of 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.

Reasons To Promote Upstart: Competitive loans with no hidden fees, dedicated affiliate team and high volume bonuses.

Bonus: High performing affiliates are rewarded with volume-based bonuses.


screenshot of the affiliate sign up page for MoneyLion

MoneyLion Plus members can access low-interest loans even if they don’t have perfect credit

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 programme. 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.

Take Note: 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 programmes with longer cookie lives to give you longer times to convert leads.

Personal Loans

screenshot of the affiliate sign up page for Personal Loans

Personal Loans offers their customers simple and secure online personal loans

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 programme. 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.

Reasons To 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.


screenshot of the affiliate sign up page for Purefly

Purefly offers competitive rates on student loan refinancing and unique programmes like spouse loans that allow couples to consolidate and refinance their loans into a single loan

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 programmes 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.

Reasons To Promote Purefly: Competitive student loan refinancing rates, unique loan programmes and a great commission rate for affiliates to profit from.

Bonus: Affiliates can earn a very high $250 flat fee for every funded student loan.


screenshot of the affiliate sign up page for SoFi

SoFi helps their customers reach their goals with their radical approach to lending and wealth management

  • 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 programmes in one account on Commission Junction. Affiliates can promote their personal loans and their student loan refinance programmes. SoFi provides access to their marketing materials and tools. To apply, search for them on Commission Junction.

Reasons To Promote SoFi: New type of finance company, two commission programmes in one and high payouts for affiliates to profit from.

Bonus: Affiliates can earn $100 on funded personal loans and $150 funded student loan refinancing.


screenshot of the affiliate sign up page for LightStream


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 programme. 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.

Reasons To Promote LightSteam: Personal loans for almost anything, Rate Beat and lots of tools and marketing materials for affiliates to put to good use.

Bonus: LightStream provides their affiliates with a great selection of promotional materials to help them convert leads and earn more commissions.

Smarter Loan

Smarter Loans affiliates program offers$140 commission per lead with a 30-day cookie duration.

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 programme offers a 30-day cookie duration. Its affiliates receive a $140 commission per qualified lead.

Reasons To Promote Smarter Loan: High commission, month-long cookie life and a simple application process.

Bonus: Known company coupled with simplified application process makes the programme easy to promote.


screenshot of LendYou web page

Lendyou affiliates earn 70% in commission.

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 programme management. This programme has a 1-day cookie duration, and you can sign up via Awin or FlexOffers.

Reasons To Promote LendYou: High commission rate, strong conversion and a quick application process.

Bonus: Aside from the high commission rate, the company is also well known and trusted.


screenshot of LoanMart web page

The LoanMart Car Title Loans affiliate programme has a 30-day cookie duration and offers a $100 flat fee bounty for each funded loan.

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 programme 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 programme via FlexOffers.

Reasons To Promote LoanMart: High commission, month-long cookie life and easy application process.

This programme 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 programmes, 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 (as an online marketer this can be an issue as most banks won’t lend to you 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 programmes are just the beginning of what’s possible. There are literally hundreds of ways to earn affiliate commissions with your website, including product reviews, top 10 lists, how-to guides, and more.

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