Last updated on November 27, 2020

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Finance is the management of large amounts of money, especially by corporations and governments. For example, a portfolio manager oversees 20 billion dollars in assets. It’s no secret that the world of finance is lucrative and responsible for creating many millionaires and billionaires.

The field of finance is responsible for the thousands of financial products and services that millions of people use worldwide. You probably use commercial products, for instance, bank accounts, investments, credit cards, and loans. Secondly, the institutions that many individuals deal with are commonly a result of recommendations from family and friends. Thus, companies spend billions of dollars on marketing to attract/retain customers, increase brand awareness, and differentiate themselves. Some of their marketing budgets include money for performance marketing initiatives, such as affiliate marketing.

Financial tech companies (fintechs) have made the landscape more exciting and rewarding. Fintechs leverage the internet and technology to create innovative cost-saving solutions. Millions of people are gravitating to fintechs as alternatives to legacy banks and financial companies. For example, TransferWise and Starling Bank–two popular mobile banking apps–have quickly attracted millions of customers. Many fintechs have affiliate programs.

Many financial companies utilize affiliate marketing programs to acquire leads, new customers, and sales. An affiliate program compensates publishers (bloggers, YouTubers, and influencers) for sending traffic to a merchant’s site. The merchant specifies the action(s) and policies required to generate a commission; for example, the merchant will pay the affiliate a commission rate of $100 per new account deposit.

A merchant may use one or multiple cost-per-action (CPA) models, which include cost per sale (CPS), cost per lead (CPL)/pay per lead (PPL), and cost per transaction (CPT)/pay per transaction (PPT). A transaction could be a trade, money transfer, deposit, loan, or other activity involving money.

Merchants use in-house, private portal, or affiliate network tracking software. In-house software is a unique application that’s typically created by a developer who works for the merchant. Also, the software isn’t available commercially. Private portal software is hosted on the developer’s server and enables a one-to-one relationship between the advertiser and publisher. Partnerize and TUNE are examples of standalone portal apps. Affiliate networks host programs and allow users to view many merchants in one place, i.e., a one-to-many user interface. For instance, Impact and CJ Affiliate have multiple financial merchants on their platforms. Most financial advertisers use affiliate networks to manage their programs.

Can you make money with financial affiliate programs? Yes, you can. The financial niche is one of the most lucrative affiliate marketing niches alongside ecommerce and marketing apps. For instance, a commission rate of $100, or more, is commonplace. Most of the programs on this list offer 30-day cookies, which is an industry-standard. I’ve made money with several financial affiliate programs, including Atom Finance and TransferGo.

Affiliates typically promote financial products and services on YouTube and their websites. On YouTube, placing affiliate links in video descriptions is typical. On websites and blogs, marketers promote items in their articles and ad banners. There are also opportunities to market goods through email marketing and on social media networks, including Facebook, Twitter, and Instagram.

You can also promote finance courses. Online education is a multibillion-dollar industry with many e-learning companies offering courses in financial planning, budgeting, saving, investing, and so on. Many of these same companies have rewarding affiliate programs, for example, Coursera and Skillshare.

Since financial products impact the lives of almost everyone, you don’t need to limit your content to money matters. For instance, a travel blogger could write about travel credit cards, whereas a YouTube gamer might discuss the products she uses to save money. Thus, promoting financial solutions are as relevant as you want them to be for your audience. Unfortunately, financial merchants tend to be more selective with who they approve, so you’ll want to have a website. Having a social media profile(s) usually won’t cut it.

Disclosures and transparency are especially critical in the financial industry. The Securities and Exchange Commission (SEC) and the Federal Trade Commission (FTC) pay close attention to merchants and affiliate marketing practices. For affiliates, the FTC has a guide and recommendations regarding the best practices. For instance, affiliates should include #Ad, #EarnedCommission, or #SponsoredPost when posting affiliate links on social media sites. Companies such as Wealthfront, a robo-advisor, and affiliates, such as DJ Khalid and Floyd Mayweather Jr., were fined for not complying with disclosure guidelines.

Best Financial Affiliate Programs

Let’s review the best financial affiliate programs. Merchants typically link to their affiliate programs in their website menus and footers, and some offer programs on multiple networks. For bitcoin and crypto affiliate programs, see this post.

Bank Affiliate Programs

Bank Novo

Novo is a small business banking platform that offers powerfully simple business banking with our online checking and debit accounts. Learn about the Novo affiliate program.

• Cost per action (CPA): Pay per transaction
• Commission rate: $25
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

BBVA Compass

BBVA offers checking and savings accounts, credit cards, wealth management, and other financial services. Learn about the BBVA affiliate program.

• CPA: Pay per lead
• Commission rate: $85
• Cookie duration: Session-based
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

CIT Bank

CIT Bank is an online-only bank offering highly competitive savings products to advance the savings strategies of today’s consumer. Learn about the CIT Bank affiliate program.

• CPA: Pay per lead
• Commission rate: $100
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Budgeting Affiliate Programs

YNAB

You Need A Budget (YNAB) is an award-winning personal finance software and proven method to gain total control of your money. Learn about the YNAB affiliate program.

• CPA: Pay per lead
• Commission rate: $6
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Credit Affiliate Programs

Credit Karma

Credit Karma offers free credit scores, reports, tools, and insights. Learn about the Credit Karma affiliate program.

• CPA: Pay per lead
• Commission rate: $2
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Dun & Bradstreet

Dun & Bradstreet offers credit-building and credit-enhancing solutions for businesses. Learn about the Dun & Bradstreet affiliate program.

• CPA: Pay per sale
• Commission rate: 15%
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Experian

Experian provides online consumer credit reports, credit scores, and credit monitoring. Learn about the Experian affiliate program.

• CPA: Pay per sale and lead
• Commission rate: Up to $20
• Cookie duration: 10 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Lexington Law

Lexington Law is a consumer advocacy law firm and a trusted leader in the credit repair industry. Learn about the Lexington Law affiliate program.

• CPA: Pay per sale
• Commission rate: $65
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

MyFICO

MyFICO offers credit reports, scores, and tips to consumers. Learn about the MyFICO affiliate program.

• CPA: Pay per sale and lead
• Commission rate: $5
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account, check, and wire
• Affiliate software/network: ShareASale

TransUnion

TransUnion provides credit reports, scores, analyses, and unbiased content to improve people’s lives. Learn about the TransUnion affiliate program.

• CPA: Pay per sale
• Commission rate: Up to $60
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Insurance Affiliate Programs

Allianz Care

Allianz Care is one of the leading providers of international health insurance in the world. Learn about the Allianz Care affiliate program.

• CPA: Pay per sale and lead
• Commission rate: Up to 20 EUR
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

CoverWallet

CoverWallet offers Insurance to companies of all sizes tailoring coverage to specific requirements of each client. Learn about the CoverWallet affiliate program.

• CPA: Pay per lead
• Commission rate: $30
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Esurance

Esurance sells auto, home, motorcycle, and renters insurance direct to consumers online and by phone. Learn about the Esurance affiliate program.

• CPA: Pay per lead
• Commission rate: $10
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Hiscox

Hiscox offers business insurance tailored to your specific business needs. Learn about the Hiscox affiliate program.

• CPA: Pay per lead
• Commission rate: $25
• Cookie duration: 7 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Lemonade

Lemonade offers renters, homeowners, and pet owners affordable insurance, powered by tech and driven by social good. Get a policy in 90 seconds, starting at $5/mo. Learn about the Lemonade affiliate program.

• CPA: Pay per sale
• Commission rate: $25.50
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Liberty Mutual Insurance

Liberty Mutual Insurance helps people preserve and protect what they earn, build, own, and cherish. Learn about the Liberty Mutual affiliate program.

• CPA: Pay per lead
• Commission rate: Up to $10
• Cookie duration: 120 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

The Hartford

Get business, home, and car insurance from The Hartford. Learn about The Hartford affiliate program.

• CPA: Pay per lead
• Commission rate: $11
• Cookie duration: 7 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Investment Affiliate Programs

Acorns

Acorns is a micro-investing app that helps people save and invest for the future. Learn about the Acorns affiliate program.

• Commission rate: Up to $12
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: FlexOffers and Impact

Atom Finance

Atom Finance is a free investment research platform that puts institutional-quality tools and resources in the hands of the everyday investor. Learn about the Atom Finance affiliate program.

• CPA: Pay per lead
• Commission rate: $5
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

M1 Finance

M1 Finance offers a unique combination of automated investing with a high level of customization, allowing clients to create portfolios tailored to their exact needs. Learn about the M1 Finance affiliate program.

• CPA: Pay per transaction
• Commission rate: $100
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Personal Capital

Personal Capital is a robo-advisor offering many financial services and free tools for investors. Learn about the Personal Capital affiliate program.

• CPA: Pay per transaction
• Commission rate: $100
• Cookie duration: 60 days
• Payout threshold: $50
• Payment options: Bank account and PayPal
• Affiliate software/network: FlexOffers

Stash Invest

Stash is on a mission to empower a new generation of investors, giving everyone access to financial opportunity. Learn about the Stash affiliate program.

• CPA: Pay per lead
• Commission rate: $5
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Money Transfer Affiliate Programs

TransferWise

TransferWise enables people to send and receive money–internationally and locally–at mid-market exchange rates and low fees. All costs are known upfront. Learn about the TransferWise affiliate program.

• CPA: pay per transaction
• Commission rate: Starts at £10
• Cookie duration: Lifetime
• Payout threshold: £30
• Payment options: Bank account
• Affiliate software/network: Partnerize

MoneyGram

As a trusted and reliable financial connection for family, friends, and colleagues, MoneyGram is a global provider of innovative money transfer and payment services. Learn about the MoneyGram affiliate program.

• CPA: Pay per sale
• Commission rate: Up to $5
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Remitly

Remitly is an online and mobile payment service company that provides international money transfers. It focuses on remittance activities. Learn about the Remitly affiliate program.

• CPA: Pay per sale
• Commission rate: Up to $20
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

TransferGo

TransferGo is an international money transfer company for migrant workers who want to send money back to their families. Learn about the TransferGo affiliate program.

• CPA: Pay per sale
• Commission rate: £10
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Loan Affiliate Programs

Credible

Credible empowers consumers by bringing transparency and simplicity to the process of borrowing and refinancing debt. Learn about the Credible affiliate program.

• CPA: Pay per lead
• Commission rate: Up to $200
• Cookie duration: 45 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

LendingTree

LendingTree provides consumers with multiple lenders for their borrowing needs. Learn about the LendingTree affiliate program.

• CPA: Pay per lead
• Commission rate: Up to $25
• Cookie duration: 14 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

National Debt Relief

National Debt Relief helps consumers get out of debt without loans and bankruptcy. Learn about the National Debt Relief affiliate program.

• CPA: Pay per lead
• Commission rate: $27.50
• Cookie duration: 60 days
• Payout threshold: $50
• Payment options: Bank account, check, and wire
• Affiliate software/network: ShareASale

Payoff

Payoff offers loans to customers for paying off their credit card debt. Learn about the Payoff affiliate program.

• CPA: Pay per transaction
• Commission rate: Up to $150
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

SoFi

SoFi is a new kind of finance company taking a radical approach to lending. Learn about the SoFi affiliate program.

• CPA: Pay per lead
• Commission rate: Up to $150
• Cookie duration: 30 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

Trading Affiliate Programs

Ally Invest

Ally Invest is a leading discount broker. Customers can buy stocks, ETFs, options, and more. Learn about the Ally Invest affiliate program.

• CPA: Pay per lead
• Commission rate: $25
• Cookie duration: 45 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate

eToro

eToro is a social trading and multi-asset brokerage company that focuses on providing financial and copy trading services. Learn about the eToro affiliate program.

• CPA: Pay per lead
• Commission rate: $200
• Cookie duration: 45 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate and in-house custom

TradeStation

TradeStation is a discount brokerage offering low-cost stock, ETF, options, and more. Learn about the TradeStation affiliate program.

• CPA: Pay per sale
• Commission rate: $50
• Cookie duration: 30 days
• Payout threshold: $10
• Payment options: Bank account and PayPal
• Affiliate software/network: Impact

Zacks Trade

Zacks Trade is a global, low-cost, online broker dedicated to traders and investors all over the world. Learn about the Zacks Trade affiliate program.

• CPA: Pay per lead
• Commission rate: $70
• Cookie duration: 7 days
• Payout threshold: $50
• Payment options: Bank account
• Affiliate software/network: CJ Affiliate