Best Financial Affiliate Programs: Top Highest Paying for 2023

With one of the best financial affiliate programs, you can earn up to $150 per lead or sign-up — simply by promoting the services to your audience, who would benefit considerably from such services. Easy money. But finding the best affiliate program is a little more challenging.

With ample options on the market, we’ve sourced and ranked the top 14 best financial affiliate programs to help you find one best suited to your ideal commission rate — and, more importantly — for your audience.

Best Financial Affiliate Program: Reviewed

To help you get a better idea of each of these 14 financial affiliation programs, we’ve outlined some details below for each one.

1. CIT Bank — Overall, the Best Financial Affiliate Program

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. Like many, the cookie length for this program is 30 days.

Commission Rates

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

Affiliate Payment Method

ACH, Check, and Payoneer

2. BBVA USA — Offers Decent Commission per Lead, Even to Free Financial Accounts

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.

On top of this, 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.

Plus, 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 $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, as it concentrates 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.

This program was designed for individuals and families with $100K or more in investable assets looking for SEC-registered advisers they can trust with their financial future.

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, you’re linking your accounts rather than moving $100,000 to Personal Capital.

Affiliate Payment Method

Approved transactions from affiliates are paid 30 days after being invoiced at the day’s end. 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 be compensated if they keep using it. 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 the 15th of each month (for validated commissions from the previous month 16th-31st).

6. Digit — A Leading Referral Program. Earn $5 per Lead

Digit is a money-saving app that lets you save modest sums over time. The Digit affiliate program aims to simplify financial wellness (saving and debt repayment).

Users link their bank accounts to Digit and can automate savings transfers into their accounts using their unique algorithm.

Users who have never been able to save themselves save an average of $2,500 annually by saving a little every day and a little more than 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 payment for every lead they generate.

Affiliate Payment Method

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

7. FamZoo — Earn on Free Referrals and 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 opts for. Here’s 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 — A Go-To Affiliate Program for Finance Websites. Get $15 per Successful Referral

HoneyMoney is a budget tracker and planner that will help you save more money each month.

The affiliate program is excellent for websites that deal with money, allowing financial advisers 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 — it’ll give you access to a very successful instrument to lure clients in and make 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. Credit Karma — Popular Free Credit Report Checker. $2 Commission Per Lead

Credit Karma is an excellent resource for obtaining a free credit report. It does a gentle check so that your score is not affected. Thanks to the Credit Karma affiliate program, your website visitors can monitor and manage their credit scores.

In addition, customers may use Credit Karma’s tools, instructional pieces, and chances to create authentic and significant financial success.

With Credit Karma, your referrals can access the platform and view their ratings from anywhere. On a final note, the cookie length for this program is 30 days.

Commission Rates

Credit Karma pays affiliates $2 per successful lead, plus with fantastic referral bonuses, you can earn up to $30 per referral!

Affiliate Payment Method

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

10. CreditSesame — Free Debt Management Tool that Offers Decent Lead Commission Rates

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 visitors in managing their money, such as loans, credit card bills, and mortgages. Credit cards or a trial period are no longer needed to enrol, and the services accessible to Credit Sesame customers are free and geared at 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

Opting for Credit Sesame’s affiliate program will yield you anything between $2 to $6 per lead.

Affiliate Payment Method

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

11. CreditRepair.com — Offers Comprehensive Referral Tracking and a Lengthy 365-Day Cookie Duration

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 you post on your website.

The quantity and quality of your advertising effort will determine your compensation. 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 — Has a Generous Referral Program, Offering Affiliates $10 per Sign Up 

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. You get a percentage when a friend or family member establishes a Credit Builder Account and makes their first successful loan payment on their CBA. 

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 — Best for a Layered Commission Structure for Long-Term Earnings

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 its 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 — Offers a Solid Financial Affiliate Program with High Potential Earnings

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 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 and 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, and you get the commission only once this happens. 

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 make you money, financial affiliate programs focus on providing your audience with financial solutions.

These include, but aren’t 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?

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.

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, 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 remember 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?

Choosing the best affiliate program for you and your audience is no easy task — in fact, it’s crucial to ensure you’re investing your time wisely in promoting a product or service that’ll pay its dividends.

With that said, these are some of the crucial considerations you’ll want to keep in mind when making your decision:

Payment Speed

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

Payout Minimums

How much you get paid depends on 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.

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 the 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’s the Best Financial Affiliate Program for 2023?

With a market loaded with hundreds of options, we’ve ranked the top 14 you’ll want to consider and look into. These include:

1. CIT Bank — Overall, the Best Financial Affiliate Program. Get $25 to $75 per Lead!
2. BBVA USA — Offers Decent Commissions per Lead, Even to Free Financial Accounts.
3. YNAB — Offer Your Audience 34-Days Free, and Earn a Free Month per Lead.
4. Personal Capital — Popular Affiliate Program for New Affiliates. Best Pay per Lead Offer.
5. Tiller Money — Earn $25 Instantly per Lead + Earn as Long as Their Membership Continues.
6. Digit — A Leading Referral Program. Earn $5 per Lead.
7. FamZoo — Earn on Free Referrals and Up to 25% per Purchase and Plan Upgrade.
8. HoneyMoney — A Go-To Affiliate Program for Finance Websites. Get $15 per Successful Referral.
9. CreditKarma — Popular Free Credit Report Checker. $2 Commission per Lead.
10. CreditSesame — Free Debt Management Tool. Offers Decent Lead Commission Rates.
11. CreditRepair.com — Offers Comprehensive Referral Tracking and a Lengthy 365-Day Cookie Duration.
12. Self Financial — Has a Generous Referral Program. Offers Affiliates $10 per Sign Up.
13. National Debt Relief — Best for a Layered Commission Structure for Long-Term Earnings.
14. SoFi — Offers a Solid Financial Affiliate Program with High Potential Earnings.

Above all, CIT Bank stands strong as the best financial affiliate program — it offers phenomenal services that your audience will love and even better commission rates — up to $75 per lead is an absolute steal.

Although CIT Bank practically sells itself, choosing the best affiliate program means putting your audience’s interests first and foremost.

We’d recommend short-listing your top options and delving deeper into their offerings to see whether they align with your audience’s needs.

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