Are you looking a financial affiliate program that pays high commissions and delivers excellent conversions? With so many to choose, it can be hard to know where to start. It’s not enough to just look at factors such as payouts and conversions—you also need to consider payout speeds, how large your audience is, and whether or not the program has been around long enough.

We’ve reviewed hundreds of different financial affiliate programs and in this article we present the highest paying and most reputable ones. Read on to find the best financial affiliate programs for 2022!

Best Financial Affiliate Programs: Top for 2022

Are you interested in financial affiliate marketing? You might have heard that it’s a great way to make money, but if you’re not sure which program to start with, rest assured. We’ve done the legwork and present below the best financial affiliate programs for 2022.

  1. CIT Bank –  Get $25 to $75 per Lead
  2. BBVA USA – $85 per Account Opened
  3. YNAB – Earn a Free Month per Lead
  4. Personal Capital – Best Pay per Lead Offer
  5. Tiller Money – Earn $25 Instantly per Lead
  6. Digit – Get $5 per Lead
  7. FamZoo – Up to 25% per Purchase
  8. HoneyMoney – Get $15 per Successful Referral
  9. CreditKarma – Excellent Commission Structure
  10. CreditSesame – Best financial affiliate program with long-Term cookie referral
  11. CreditRepair.com – Comprehensive Referral Tracking
  12. Self Financial – 30-Day Cookie Duration
  13. National Debt Relief – Earn $27.50 per Quote Request
  14. SoFi – $100 for Every Personal Loan Referral

Best Financial Affiliate Program: Reviewed

We’ve researched over two hundred financial affiliate programs and compiled a list of the best according to different metrics like payout rates, conversion rates, and commission structure. Here are our top picks:

1. CIT Bank – $25 to $75 per Lead

CIT Bank is one of the most secure and straightforward online banking establishments. The affiliate program offers an online-only bank that gives users access to the money market, custodial accounts, high-yield savings, and CDs. In addition, this bank provides several services aimed at maximizing your finances. The cookie length for this program is 30 days.

Commission Rates

CIT Bank’s affiliation program provides affiliates with a $25 – $75 commission per lead. 

Affiliate Payment Method

ACH, Check, and Payoneer

2. BBVA USA – $85 per Account Opened

BBVA is an FDIC-insured bank that offers a wide range of services, from personal banking to small business and corporate banking. In addition, they provide an award-winning mobile banking app and an affiliate program where you may earn $85 for each person you suggest who opens a money market account, free checking account, or clear connect account.

In addition, your customers may access online banking via the BBVA (Banking) affiliate program. Online banking, free banking, free checking, money market, and CDs are all available. In addition, they provide checking accounts, loans, mortgages, and credit cards, and you earn money by referring individuals to their services, much as you’d expect from a banking affiliate network.

Commission Rates

BBVA USA Commissions its affiliates with $85 per person who opens an account in BBVA USA. 

Affiliate Payment Method

The payment method for BBVA USA Affiliates is not disclosed on BBBVA USA’s website.

3. YNAB – Earn a Free Month per Lead

You Need a Budget (YNAB) is an online budgeting application based on Dave Ramsey’s famed envelope approach. The central concept is to keep cash in separate “envelopes” for different categories of household costs. This sets YNAB apart from Mint, concentrating on conventional cash-flow budgeting and planning. You may offer this tool as an affiliate to those who want a better approach to managing their home money and budget for future needs. Users may check it out for free for 34 days before being asked to pay for a monthly or yearly membership.

Commission Rates

Affiliates earn one free month per lead.

Affiliate Payment Method

You Need A Budget offers its affiliates a free month for everyone who signs up and purchases with your link. The free months are compounded, and if it exceeds one, and if you pay for annual plans, the renewal date is pushed back until all the free months are finished.

4. Personal Capital – Best Pay per Lead Offer

The Personal Capital affiliate program directs your website visitors to PersonalCapital.com, which uses technology to deliver wealth management services and impartial counsel to the masses previously only available to the wealthy. Their advanced analytical online tools and mobile applications, which keep up with the trends, make it simple to grasp money. Individuals and families with $100K or more in investable assets looking for SEC-registered advisers they can trust with their financial future are who this program was designed for. The program uses a range of creatives, such as banners, to assist newcomers in understanding and appreciating the platform. Access to SEC-registered advisers is included in the program, further enhancing brand trust and service value. Personal Capital offers and promotions become a valuable possibility for devoted, high-performing partners thanks to each user’s tailored experience.

Commission Rates

A generous $50 – $144 commission for new affiliates whose sign-ups bring $100,000 worth of investable assets to the Personal Capital dashboard (e.g., an IRA or 401k that can’t be handled). So rather than moving $100,000 to Personal Capital, you’re linking your accounts.

Affiliate Payment Method

Approved transactions from affiliates are paid 30 days after they are invoiced at the end of the day. After that, they are paid out through checks, direct deposits, and e-payments. 

5. Tiller Money – Earn $25 Instantly per Lead

Awin now runs Tiller’s affiliate program, and each individual who joins up and successfully starts a paid membership earns a one-time $25 compensation. Tiller offers a 30-day trial to all new clients, and you’ll get compensated if they keep using it after that. When promoting Tiller, cookies last for 30 days.

Commission Rates

A $25 one-time commission is given for every person who begins a paid subscription with the affiliate’s publisher account. 

Affiliate Payment Method

Commissions are recognized within ten days of a consumer starting a paying membership. AWIN then issues payments through direct deposit on the 1st (for validated commissions from the 1st-15th of the preceding month) and 15th of each month (for validated commissions from the previous month 16th-31st).

6. Digit – Get $5 per Lead

Digit is a money-saving app that lets you save modest sums of money over time. The Digit affiliate program aims to simplify financial wellness (saving and debt repayment). Users link their bank accounts to Digit, and they can automate savings transfers into their Digit savings accounts using their unique algorithm. Users who have never been able to save themselves save an average of $2,500 per year by saving a little every day and a little more as income or costs rise. You may earn income by recommending new clients to the Digit website via their affiliate or referral program.

Commission Rates

Digit affiliates get a $5 pay for every lead they generate.

Affiliate Payment Method

Digit affiliate’s payment method is not disclosed on its website.

7. FamZoo – Up to 25% per Purchase

You should join the FamZoo affiliate program if you want to become a financial advisor. FamZoo is a financial education company offering personal finance and money management training. In addition, the company provides materials for financial advisors, including trade books, tapes, online classes, and educational videos. Shareasale manages FamZoo’s affiliate program. You may earn money by recommending new clients to the FamZoo website via their affiliate or referral program.

Commission Rates

FamZoo’s commission rates vary depending on the plan that each lead the affiliate generates; below is a brief overview of the affiliate commissions:

  • Free Plan – 5 cents for every family that registers within 30 days.
  • Subscription Payment – 25% for every family that upgrades from a free plan to a paid plan.
  • Gift Subscriptions – 25% for every purchase made by a family within 30 days.

Affiliate Payment Method

Throughout the length of the family’s membership, the commission is paid on the first subscription and any monthly recurring subscription payments and pay-in-advance subscription renewals.

8. HoneyMoney – Get $15 per Successful Referral

HoneyMoney is a budget tracker and planner that will help you save more money each month. HoneyMoney’s affiliate program is excellent for websites that deal with money. HoneyMoney would allow financers to help their clients manage their money while also receiving a portion of the income from each transaction. HoneyMoney’s affiliate program is helpful to both finance-related websites and clients. Financers would have access to a very successful instrument for luring clients while also receiving a substantial commission on each transaction. As a result, better management of finances saves a considerable amount of money to support customers’ long-term ambitions.

Commission Rates

HoneyMoney offers $2-$3 CPL for every new sign-up in HoneyMoney and a 3.5% commission on HoneyMoney gift cards.

Affiliate Payment Method

HoneyMoney does not disclose its affiliate payment methods on its website.

9. CreditKarma – Excellent Commission Structure

Credit Karma is an excellent resource for obtaining a free credit report. It does a gentle check so that your score is not affected. Your website visitors will be able to monitor and manage their credit scores thanks to the Credit Karma affiliate program. In addition, customers may use Credit Karma’s tools, instructional pieces, and chances to create authentic and significant financial success in their life. Credit Karma’s accessible platform allows customers to check their ratings from any location. The cookie length for this program is 30 days.

Commission Rates

Information about CreditKarma’s commission rates is not made available to the public. 

Affiliate Payment Method

CreditKarma’s website does not provide CreditKarma’s affiliate payment methods.

10. CreditSesame – Long-Term Cookie Referral

Credit Sesame is the undisputed leader in the field of personal credit management. CreditSesame.com, a free credit and debt management tool, is available to your site visitors via the Credit Sesame Free Credit Score & Free Credit Monitoring affiliate program. In addition, credit Sesame provides solutions to assist your visitors in managing their money, such as loans, credit card bills, and mortgages.

Credit cards or a trial period is no longer needed to enroll, and the services accessible to Credit Sesame customers are entirely free and geared at both homeowners and renters. In addition, to optimize conversions, the Credit Sesame affiliate program offers eye-catching material and a long cookie referral term.

Commission Rates

Commission Rates regarding CreditSesame’s affiliate program are undisclosed to the public.

Affiliate Payment Method

CreditSesame’s payment methods for its affiliates are currently unknown.

11. CreditRepair.com – Comprehensive Referral Tracking

CreditRepair.com is dedicated to repairing your credit report. The online affiliate program at CreditRepair.com enables you to make money by directing people to CreditRepair.com through a link or a unique telephone number that you post on your website. Your compensation will be determined by the quantity and quality of your advertising effort. It also has a comprehensive monitoring platform to see how many visits you send and how many people convert. In addition, the most successful online affiliates create websites with relevant credit repair material and invest in traffic generation.

Commission Rates

CreditRepair.com’s commission rates are not disclosed on its website.

Affiliate Payment Method

Payment methods for CreditRepair.com’s affiliates are not known to the public.

12. Self Financial – 30-Day Cookie Duration

With a credit builder loan, Self Financial assists clients in rebuilding their credit. Your online visitors will be able to establish a bright financial future thanks to the Self Financial affiliate program. Through a credit-builder account, Self Financial provides clients with a straightforward and responsible approach to creating payment history and improving credit while saving money. This program has a cookie duration of 23 days. When a friend or family member establishes a Credit Builder Account and makes their first successful loan payment on their CBA, you get a percentage. 

Commission Rates

Information regarding Self Financial’s commission rates is not disclosed on its website.

Affiliate Payment Method

Self Financial’s affiliate payment methods are not disclosed to the public.

13. National Debt Relief – Earn $27.50 per Quote Request

National Debt Relief is one of the biggest and most well-known debt settlement firms in the United States. A pay-per-lead commission of up to $300 is also available. Through their pay-per-call scheme, the firm also makes commissions for qualifying referrals.

If you recruit additional affiliates, you may earn recurring commissions. This is an excellent seminar for anybody interested in personal finance or credit/debt management. The program admits affiliates from all across the United States, but they cannot run services in several states. They’ve teamed up with Shareasale.com to make it easy to start marketing immediately after approval.

Commission Rates

With the National Debt Relief Pay Each Lead Program, affiliates may earn $25.50 per qualified free debt relief quote request, plus a 12% commission override on any affiliates they refer.

Affiliate Payment Method

Payment methods for the National Debt Relief affiliates are not disclosed on its website. 

14. SoFi – $100 for Every Personal Loan Referral

SoFi is a personal finance firm that offers student loan refinancing, mortgages, personal loans, investment, and banking services. Its affiliate program allows users to advertise its many services on its site. In addition, viewers will be able to learn about a new kind of financial organization that is assisting individuals by adopting a novel approach to lending money.

This affiliate network is simple to join, thanks to the referral system. CJ Affiliate, FlexOffers, and Viglink are some of the networks this program is available on. You may share your unique referral link with friends, coworkers, or on a larger platform like a website or social media as an affiliate. You and the recommended person must fulfill specific requirements to get the commission. First, you must provide the recommended person with a unique link to join up. The commission is only available for new customers that join up.

Commission Rates

Based on SoFi’s referral system, commissions range from $100 to $150 for each lead generated.

Affiliate Payment Method

SoFi Affiliate’s payment methods are not disclosed on SoFi’s website.

What Is a Financial Affiliate Program?

A financial affiliate program is just like any other affiliate program, with one difference. Instead of promoting a shopping cart, niche website, or anything else that doesn’t directly make you money, financial affiliate programs focus on providing your audience with financial solutions. These include but are not limited to bank accounts, credit cards, insurance offers, loans, investments, and more.

Why Use a Financial Affiliate Program?

Before signing up with any program, you should know why you’re doing so. Are you aware of the risks involved? What are you trying to achieve?

1. Your Audience Could Benefit From Financial Services and Offers

This might seem obvious, but it’s true. Even if your audience isn’t big on financial solutions, there’s a good chance that they know someone who is. Sometimes it takes an unbiased third party to convince people to make a change, and that’s where you come in.

3. You Want to Work with Bitcoin, Crypto Currency & Investment Products

Financial affiliate programs have played a more active role in the cryptosphere over the last few years, especially since December 2017. If you’re interested in this trend, do some research and see if any financial affiliate programs focus on cryptocurrency. At the very least, this will give you a place to start.

Can You Make Money With a Financial Affiliate Program?

Financial affiliate programs are an excellent way to earn money on the side. However, you need to keep in mind that not all offer outstanding commissions. Some programs may need more work to promote before earning the big bucks. That said, financial offers are one of the easiest to promote in any market.

How To Choose a Financial Affiliate Program?

If you’ve never worked with a financial affiliate program before, it can be hard to know which one to choose. There are many things to consider when you’re evaluating an affiliate program, so we’ll go over the top ones here.

1. Payment Speed

This is the most significant factor in choosing a financial affiliate program. Unfortunately, with so many variables on the market now, slow-paying companies are making it harder to succeed in this industry.

2. Payout Minimums

How much you get paid has a lot to do with how much effort you put into promoting a product or service. If you’re planning on investing a lot of time working with an affiliate program, they must have high payout minimums so that you don’t go broke with zilch to show for it.

3. Payment Methods

How you get paid is an important consideration. Some companies will only payout via PayPal or wire transfer. Others will have ways to deposit funds automatically into your bank account. The best thing to ask the company beforehand is to know what you’re getting into.

4. Commissions

Check what kind of commission rates a financial affiliate program offers before signing up for anything. Rates can vary significantly between different programs, and you want to be sure that the money made is worth your time and effort.

Conclusion: What Is the Best Financial Affiliate Program for 2022?

The right financial affiliate program offers the best commission rates, terms and conditions, and payment methods. Of course, you’ll want to make sure that you’re comfortable with the company’s policies before signing up for anything. Ideally, you should have a great online presence with a large following before considering a financial affiliate program. For more affiliate program reviews, be sure to read our blog section.

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