Financial Affiliate Programs & Networks

Financial niche in affiliate marketing represents different kinds of activities related to money and banks: loans, microloans, mortgage, debit cards, and so on. A quite profitable niche, as you can see. And a top-list of such programs and networks is a real find for an affiliate!

---

What are financial affiliate networks and programs?

Financial affiliate networks and programs make up a large vertical in affiliate marketing. This vertical believed to be always in demand because we all use bank cards, many take loans, and even microloans. You can find them in two places:

• Top-lists of affiliate programs/networks on special websites like ours;
• On websites of banking institutions – some banks have affiliate programs, and there must be a respective link. The reason for this is that banks need to increase recognition and attract new customers.

How does it work

Working with financial affiliate networks is quite simple – you attract customers with your advertising and bring them to the landing page. Your task is to motivate them to take a specific action. Most often, networks and programs pay for leads. This is a completed and approved application for finance services – card issuance, mortgage, loan, etc. Sometimes they pay simply for a correctly filled out form, but the rate for such leads is lower.

Since many users take action immediately, there is a concept of “Cookie Life”. This is a link to the user for a certain period. For example, a user clicked on your ad, saw a loan application form, got scared and closed the tab. A week later, this user ran out of money and remembered your offer. Then they found a tab in the browser history, filled out and sent the application. In most financial affiliate programs, cookies live for 30 days. So you will receive payments even for a lead received a week after clicking on the ad.

Good programs and networks always indicated the cookie life. As well as the approval percentage and other indicators.

One more important concept is a hold. This is the period during which payments are delayed to verify your traffic. There are extremely few advertisers without hold. The traffic verification period is needed to protect the advertiser from fraud (which is an attempt to deceive the affiliate network/program by an affiliate by selling fake leads, using prohibited traffic).

Note: In best financial affiliate networks, there are anti-fraud systems. Fake leads can be easily checked by call-center calls. So it is not worth risking your account and already received payments in an attempt to cheat.

Traffic sources for financial offers

Financial affiliate networks and programs work with almost all types of traffic, excluding, of course, motivated traffic. They often prohibit branded traffic, including context on the brand. Here are the sources from which finance is often promoted:

• Google Ads – financial networks and programs often offer even lists of keys for contextual and search advertising. The advantages of these sources are a huge reach, a warmed up audience that is already interested in financial services;
• Social networks – directly promoting financial offers through target advertising is prohibited almost everywhere. For example, back in 2021, TikTok also banned this, which affiliates were actively mastering. The solution is to whitewash creatives, promote from your own pages, give advertising to bloggers;
• Apps – a real salvation for promoting from Facebook. They promote finance through apps and Google UAC. But for now, it is difficult to find ready-made apps in financial affiliate networks;
• YouTube, and some blogs – a good source of traffic which sometimes can be free if you have your own blog and promote it;
• Texting in messengers and in email – you will find a profitable case for promoting from this source and ROI of 900% below;
• Your own website (SEO) – this can be a showcase website with a comparison of banking services, credit calculators. It converts both news and “social” traffic well. The downside of this source is that you will have to spend time on SEO promotion of the site until it starts to give good traffic;
• Push notifications and teasers – a cheap and “evergreen” source. Your task here is to show the customer that unique offer that he will respond to. The bases of collected push subscriptions can also be monetized.

A special type of traffic for financial offers is brokerage traffic. Your task is to collect data on potential customers and pass it on to the advertiser’s call center. Not all financial affiliate networks accept this type of traffic. For example, it is allowed for microcredit offers, but large banks often disdain brokerage traffic.

Types of financial offers

There are several categories of financial offers. We will list the most popular ones. Some are pleasing with very high rates. Others have lower rates, but it is much easier to promote them.

Bank Cards

Debit cards are the most popular type of offers. It is one of the easiest ways to get leads for them. After all, everyone uses bank cards, and banks often offer customer-friendly conditions such as cashback and free card use.

Mortgage

Banks’ affiliate programs have mortgage offers with very good rates. But low approval rate for leads received is common here. The thing is that they pay for an approved mortgage application. And the client must meet a whole range of requirements – income, permanent job, citizenship, absence of debts on loans.

Credit

Credit offers in financial affiliate networks are divided into two types:

• Credit cards – applications for a credit card or the issuance of a credit card are paid;
• Cash or card loans – payments are made for approved applications and a loan agreement is concluded.

Commission for such offers is a fixed amount or a percentage of the loan amount. The approval rate depends on the borrower’s requirements. Usually, all requirements for the target audience are specified in the offer conditions.

Microloans

Partnerships with microfinance organizations (MFOs) are becoming more popular now. And it’s no surprise, as users’ trust in microloans is growing. MFOs offer quick loans without high demands on the client. So, it’s easy to get applications here, and the approval rate is higher than for bank loans.

How did we compile our rating?

Even experienced affiliates sometimes can’t answer which financial affiliate program to choose. We decided to help you and compiled our own top-list. Here’s what we considered:

• Convenience for affiliates – the presence of all the necessary tools, how quickly statistics updates, how the call center works, how things are with promo materials;
• Payouts methods and other details – if there is a hold, or what wallets are available for withdrawal, or if payouts are possible on request;
• User reviews – it is impossible to form a ranking without ratings from real affiliates;
• Feedback from affiliate managers and their employers – this allowed us to understand how affiliate networks and programs function. We even made some test deposits, so that there would be no doubts. That’s why our top-list of financial is proven.

How to Promote Financial Offers

Of course, there is no single instruction on how to promote financial offers. But there is a general scheme of action:

1. Choose an affiliate network – you can find one on a bank’s website or on other advertiser’s website. To save time, check out our top-list, too;
2. Find the right offer – choose what to promote: bank cards, loans, mortgages, services for legal entities. Compare rates in several networks;
3. Determine the source of traffic – the most popular ones are listed above;
4. Think through the promotion strategy and take care of the creatives – promo materials should emphasize the benefit of the offer specifically for the customer. Try walking in the customer’s shoes, go through the entire sales funnel from his perspective.

Important: A good affiliate is also a psychologist. This applies to earning on financial affiliate networks. You need to understand the customer’s pain and use it. A good example of hitting “pain” can be found in the cases further on – the offer of fast loans just before the New Year holidays.

Case studies of successful financial offers promotion

We have collected several cases with different approaches and for different geos. We hope that these combinations will be useful to you.

Case 1. Viber Campaigns: 280,000 Profit and 900% ROI

• Affiliate network: Saleads.Pro
• Offers: Rocket Money, MoneyMan, OneClick Money, Creditter
• GEO: Russia
• Source: Viber
• Period: November 2021
• Spent: $300
• Received: $3,100
• Profit: $2,800

This case was found in Saleads.Pro. The author decided to use the pre-New Year’s hype to the fullest and launched a Viber campaign. The numbers were parsed from a large classifieds site, after verification there were about 40,000 numbers left.

By clicking, users were redirected to a storefront with a comparison of offers from the offers. A nice domain was purchased for the landing page, which increases trust in the site.

Eventually, about $300 were spent on the campaign. And already in the first month the author received $2,543. Conversions lasted in December and January.

Case 2. $3286 Profit from Microloans in Brazil

• Affiliate network: OfferGate
• Offer: Banco Salamander
• GEO: Brazil
• Source: Kadam
• Period: 12.11.2020 – 13.02.2021
• Spent: $14,962
• Received: $18,249
• Profit: $3,286

In Brazil, loans and credit cards are also popular, and the author of the case decided to use this. The simplest approach worked – creatives with messages like “Your credit card has been approved”, “Confirm receipt of credit card”.

Upon clicking, the user was redirected to the pre-landing page with the phrase “The last step to receiving the card”. And from there on – to the landing page with the application form.

In Kadam, the target was set for Android, the language of the creatives was English. Poorly converting platforms were added to the blacklist. The first month’s ROI was 40%. Then it dropped, but gradually leveled out. The average ROI for the campaign was 18%. But considering that the author did not promote for half of November, and the creatives did not change for a long time – this is a decent indicator.

FAQ