In this day and age, personal loans are becoming a necessity for many different individuals.
So, regardless of whether you’ve been an affiliate marketer for quite some time or you’re looking to get started on your very first program, the personal loan niche is versatile, lucrative and ideal for those looking to make a great commission.
The only question is, which personal loan affiliate program (or programs) are worth signing up for?
We’re here to help. Below, you will find a roundup of the best personal loan affiliate programs out there right now, as well as additional guidance to ensure that you are able to choose the right affiliate program for you and your site.
So, ready to discover the best personal loan affiliate programs out there right now? Let’s get right into it!
The Best Personal Loan Affiliate Programs
- Best For Cookie Duration: Fairstone
- Best For Commission: Smarter Loan
- Best For Click Through Rate: Zippy Loans
- Best For Short Term Loans: Check Into Cash
- Best For US market: LoanMart
- Best For Affordable: Zoca Loans
- Best For Personal And Small Business Loans: SoFi
- Best For UK Market: Viva Loans
- Best For The Global Market: Ace Cash Express
First things first, we have selected Fairstone! If you’re not overly familiar with Fairstone as a lender, it is a Canadian based personal loan lending company that offers its customers access to loans when they are unable to get them specifically from their banks.
Believe it or not, it is very common for many individuals throughout Canada to be an unsuitable candidate to borrow money from their banks, and this can be mainly attributed to the financial crisis that occurred in 2008.
However, despite the fact Fairstone specialize in offering personal loans to those who are still recovering from the financial crisis that occurred during that year, it is important to keep in mind that Fairstone were not created to cater to that need.
In fact, as a company, Fairstone has been around for over 100 years!
So, if you do decide to go ahead and partner up with them on their affiliate marketing program, you will be able to have the peace of mind that you are going to be partnering up with an established, reputable lending business that has over 100 years of experience.
They offer a variety of loans that start anywhere from $500 and can go up to a maximum lending amount to borrowers of $35,000.
They also offer their potential borrowers the ability to file an eligibility application prior to actually going through and applying for a loan, which means that borrowers who are thinking about making an application can find out whether or not they are going to be eligible for one without actually damaging their credit score.
We think this is fantastic, and shows how Fairstone truly do care about their clients, regardless of whether they go through with a loan or not.
As far as their affiliate marketing program goes, we think that you’ll be pleased to know that you will have the ability to earn upwards of $21 for every lead that you are able to generate that then becomes approved.
We definitely encourage you to check them out.
- Commission: $21
- Cookie Duration: 30 days
Next up on our list we have selected Zoca Loans. Unlike Fairstone, Zoca Loans are unique because they are a lending company that specializes in offering its customers last minute loans for unexpected situations – such as the need to purchase a new TV or get a car repaired.
For this reason, unlike Fairstone, Zoca Loans offer strictly short term loans that we’re sure will offer plenty of appeal to those who stop by your website.
Despite having higher interest, these types of short term loans that Zoca Loans offer are extremely popular and highly sought after by a huge number of people – and we’re willing to bet that a portion of them will be some of the visitors that populate your blog or website each month.
One of the biggest benefits about Zoca Loans is that they also cater to a wide range of individual credit situations – including those who happen to fall into the category of bad or even poor.
If you’re interested in becoming an affiliate marketer for them, you can expect to generate around $5 per lead.
While this might not sound like much, the short term appeal and quick turnaround of payment by Zoca Loans means that they see a high number of people applying for their loans each day.
In other words, even though there isn’t much potential for this particular program to turn out to be extremely lucrative for you, it does offer the opportunity to generate a nice stream of income each month.
- Commission: $5
- Cookie Duration: 30 days
If you’re interested in becoming an affiliate marketer for some unique personal loan providers out there, Zippy Loan should be at the very top of your list for potential programs to check out.
Unlike some of the other lenders that we have included in this review roundup, Zippy Loan are entirely unique because instead of processing all of their application via an in-house team, they instead work with a list of outsourced lenders who will be able to process the applications and then offer anywhere from $100 upwards of a maximum lending amount $!5,000.
Thanks to this unique way of processing applications, it means that a wider variety of lenders will be able to process the application made via Zippy Loan, which will then raise the chances of the prospective lender who has made the application via Zippy Loan to actually be offered a loan by one of the many lenders that Zippy Loan works with.
If you are interested in becoming an affiliate marketer for them, we think that you’ll be very pleased to discover that they offer a very generous $45 for every lead that is made via an affiliate link.
However, you’ll have only one cookie day to be able to generate the leads, so this might only be a good shout if you have a great amount of traffic stopping on your website/blog each day.
- Commission: $45
- Cookie Duration: 1 day!
Smarter Loan is another lender based in Canada, and is one of the fastest growing (and biggest) personal loan comparison companies currently on the internet.
Similar to Zippy Loans, Smarter Loan works with a variety of different lenders (at the time of writing this blog post, that number is currently at 50) and offers loans that span anywhere from $200 up to $30,000 – so there’s a loan to cater to a variety of different needs.
One of the biggest appeals of Smarter Loan is the convenience of offering a variety of tailored loan packages in one place.
When searching for a loan through the Smarter Loan website, prospective borrowers will have the opportunity to compare and contrast a variety of different loans without having to visit numerous pages which can become overwhelming.
If you are interested in becoming an affiliate marketer for them, they offer a payout of a whopping $140 for every sale that is made.
On top of that, they even offer a cookie duration of 30 days, which we think is very generous considering the commission!
- Commission: $140
- Cookie Duration: 30 days
Built upon a commitment to helping all of their clients get ahead and achieve the success they are looking for – next up on our list we have SoFi. Let’s learn more about them and their program below:
Unlike some of the more traditional personal loan lenders we have already talked about in this blog post, SoFi are unique because they offer their clients the opportunity to lend upwards of $100,000 with impressively low interest rates. Along with this, they also offer small business loans, too.
If you are interested in partnering up with them as an affiliate marketer, they offer all of their affiliate marketers the opportunity to earn up to $100 for a funded application, as well as $!50 for a funded student refinancing loan.
SoFi has also seen plenty of successes with this program, as at the time of writing, they have paid out over $10 million dollars to all of their affiliate marketers as a whole. Impressive or what?
- Commission: $100-$150
- Cookie Duration: 30 days
Based in the UK, Viva Loans are specifically tailored towards providing short term loans to those who have suddenly experienced an unexpected expense that they need to pay off fast but lack the means to do so.
Similar to Zoca Loans, Viva Loans offer those situated within the UK the opportunity to lend anywhere from £200 up to £2000 on a short term basis. Due to this, all repayments are to be made within a 12 year period, but no less than 2 months.
If you are interested in becoming an affiliate marketer for them, they offer a generous $45 for every new customer that you are able to refer to via your website or blog.
On top of this, they will also offer you all of the necessary affiliate ad links and banners that you will need to begin advertising their loans on your site, so all of the hassle and hard work has already been done.
- Commission: $45
- Cookie Duration: 1 day
Specializing in offering “emergency loans” to those who find themselves with an unexpected cost, Check Into Cash has been serving many customers since the 90s.
Primarily offering payday advances, check cashing services as well as payday loans, Check Into Cash offers a variety of short term, emergency solutions for those who find themselves needing to pay something off unexpectedly and need financial assistance to help see them through.
This company offers services both across its many stores located throughout the country as well as via their online website. At the time of writing, they offer loans that span anywhere from $50 all the way up to $1000.
If you are interested in becoming an affiliate marketer for them, you will receive $30 for every application made by a potential customer, as well as an additional $10 if an existing customer goes ahead and makes an application to receive additional help.
- Commission: $30
- Cookies Duration: 30 days
Despite being one of the lesser known personal loan companies, Ace Cash Express is a great and well-trusted personal loan company that is targeted towards providing lenders with money both quickly and easily.
Even though they might not be as well known as some of the other well known personal loan companies out there, they have been around since 1968 and have steadily established themselves as a reputable and trustworthy lender ever since.
Unlike some of the other companies that we have listed, Ace Cash Express specializes in offering both long and short loans, as well as cash advance loans which means that they cater to a wide variety of people and requirements.
Similar to some of the other lenders we have already talked about in this roundup, Ace Cash Express offers a conveniently easy way to apply for personal loans.
If you’re interested in potentially borrowing from this personal loan company, all you will need to do is simply apply online and then you will instantly receive a decision of whether or not you have been approved.
If you have been successful in applying for a loan, you will then be able to receive the money the next working day.
As Ace Cash Express offers such a varied amount of personal loans, it means that their commission rates also vary depending on what it is that the visitor has applied for.
This means that commission rates can vary anywhere from $5 upwards of $60.
- Commission: $5 to $60
- Cookie Days: 30 days
Last but certainly not least, the final personal loan company that we are going to be talking about today is LoanMart which offers a great personal loan affiliate marketing program.
With over 20 years of experience in the business, LoanMart caters to clients across 25 states, and at the time of writing this – over 427 cities across the country have provided this company’s services…and that list is ever growing!
Just like some of the other personal loan companies that we have already listed, the application process is super convenient and can be done online.
From there, prospective borrowers will then need to wait around 24 hours before hearing back as to whether they have been approved or not.
If you would like to get involved with the affiliate program that they offer, then the good news is that the commission rate has the opportunity to be lucrative.
So much so, that for every sale that you are able to make, you will receive $100.
- Commission: $100
- Cookie Duration: 30 days
Frequently Asked Questions
What Is The Highest Paying Personal Loan Affiliate Program?
If you’ve already begun to do some of your own research into affiliate programs, then we’re sure that you’ll agree with us when we say that there are a variety of different types of affiliate programs out there that each range in a variety of different commission rates.
As you will be able to see from our list above, there are some programs that have the potential to be very lucrative as they can offer over $100 per sale.
What Is A Loan Affiliate?
If you’re not already familiar with the term, a loan affiliate is essentially an extension of credit from a borrower that is then given to a permitted affiliate.
These are most typically given to affiliate marketers who are able to generate leads or sales via their ad links.
What Bank Is Best For Affiliate Marketing?
While banks don’t typically tend to offer affiliate marketing programs, the good news is that there are a variety of different affiliate programs offered by various lending companies across the world!
As you will be able to see from the roundup of personal loans that we have included above, there are a variety of different affiliate programs offered by many different types of personal loan lenders that specialize in a variety of different things – including short term loans ideal for unexpected emergencies where you might not have the means to pay off an unexpected cost, as well as loans that can go upwards of $35,000.
In other words, there are many different companies that offer affiliate programs that specialize in loans similar to that of what a bank would offer.
Over To You – Which Affiliate Marketing Program Will You Choose?
There we have it! You’ve made it to the end of our blog post. After taking the time to read through all of the programs we have listed above, we hope that we’ve inspired you to go ahead and apply for some of them.
From programs that are situated around short term loans, all the way to programs that specialize in offering higher sums of money at extremely low interest rates, the personal loan affiliate marketing niche is both a versatile and lucrative one – with plenty of opportunity for success.
Who knows? You might just find yourself earning a nice stream of income from one of them. Thanks for reading, and good luck!