9 Best Personal Loan Affiliate Programs For 2024 (Top Paying)

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Dale is a former electrician that has since gone on to generate over $1 million in all-time affiliate commissions & become officially recognized as a Super Affiliate by the world's largest affiliate marketing training platform. Alongside running his own affiliate marketing empire, he now also teaches affiliate marketing to others through the Commission Academy platform.

Personal loans will always be in high demand & as a result, the personal loan industry is expected to reach a value of $719.31 billion by 2030.

This is great news for affiliate marketers because, as an affiliate, you can earn money by connecting people with the personal loans they’re looking for.

And to help you do exactly that, we’ve listed the best personal loan affiliate programs below.

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Best Personal Loan Affiliate Programs

The affiliate programs on this page are listed in the following order:

  1. Zippyloan
  2. Bad Credit Loans
  3. Personal Loans (personalloans.com)
  4. Happy Money (Payoff Loan)
  5. LendingTree
  6. Laurel Road
  7. Loan.co.uk
  8. Wonga
  9. Vivaloan

1. Zippyloan

Zippyloan manages an extensive network of lenders to provide personal loan access. It offers a full range of loans to people with excellent and bad credit. Zippyloan provides access to funds whether you are behind on bills, have unexpected expenses, or simply want to take vacations.

Customers can request up to $15,000 to achieve their financial goals. This offers the flexibility to repay in instalments. Once approved, funds are deposited into the applicant’s account in a few days. Zippyloan lenders deliver both instalment and short-term loans and on-time payments to credit agencies, which improve users’ credit scores.

Highlights of the Zippyloan Affiliate Program

  • $45 CPA commission
  • 1 day cookie life
  • Transparent reporting and third-party tracking
  • Integrated with AWIN (Merchant ID: 9104)

URL: Zippyloan Affiliate Program

Commission: $45 CPA

Cookie Duration: 1 Day

Payment Term: Monthly Payouts Managed by AWIN

2. Bad Credit Loans

BadCreditLoans.com is an established online lending platform specialising in providing loans to individuals with less-than-perfect credit histories. The service offers a simple and secure application process, making it easy for borrowers to access the funds they need.

You can apply for a loan between $500 to $10000. While they offer various loan types, including payday loans, instalment loans, and personal loans. Bad Credit Loans understands that financial difficulties can arise for anyone, so they strive to connect borrowers with lenders who are willing to consider their loan applications, even with bad credit.

Personal loans from Bad Credit Loans can be used for a wide range of purposes, such as debt consolidation, home improvements, medical expenses, and more. Borrowers may benefit from flexible repayment terms, competitive interest rates, and the opportunity to rebuild their credit by making timely payments. BadCreditLoans.com aims to provide accessible financial solutions, empowering individuals to overcome their credit challenges and achieve their financial goals.

Highlights of the Bad Credit Loans Affiliate Program

  • 85% revenue share per lead
  • 45 days cookie life
  • Third-party tracking and real-time transparent reporting
  • Integrated with Commission Junction (CJ Advertiser ID: 4968775)

URL: Bad Credit Loans Affiliate Program

Commission: 85% Revenue Share per Lead

Cookie Duration: 45 Days

Payment Term: Monthly Payouts Managed by Commission Junction

3. Personal Loans (personalloans.com)

PersonalLoans.com offers a user-friendly and convenient platform for consumers to connect with personal loans through their extensive network of lenders and third-party lending partners. The online service provided allows borrowers to access loan amounts ranging from $250 to $35,000, all from the comfort of their homes, offices or even while on the go via mobile devices.

PersonalLoans.com assists individuals seeking loans for various purposes, including home improvements, debt consolidation, payday loans, medical expenses, and more. It is worth noting that certain lenders in their network may also offer lines of credit.

It’s important to clarify that PersonalLoans.com does not function as a lender itself but acts as a bridge between borrowers and potential lenders or lending partners. Their primary aim is to connect consumers with reliable financial assistance quickly and without charging any fees.

By utilising the lenders within the PersonalLoans.com network and other third-party lender networks, borrowers can access loan funds swiftly, often within one business day. The loan repayment period typically varies from 90 days to 72 months, depending on the specific terms provided by the lender.

For shorter-term loans like instalment loans, the repayment period may be shorter than six months. It is essential to understand that PersonalLoans.com is not directly involved in the loan process of any lender or broker.

Highlights of the PersonalLoans.com Affiliate Program

  • $100 to $120 per lead
  • 45 days cookie duration
  • 24/7 support team
  • Third-party tracking
  • Transparent reporting via a user-friendly dashboard
  • Integrated with Commission Junction (CJ Advertiser ID: 4252778)

URL: Personal Loans Affiliate Program

Commission: $110 to $120 per Lead

Cookie Duration: 45 Days

Payment Term: Monthly Payouts Managed by Commission Junction

4. Happy Money (Payoff Loan)

Happy Money, formerly Payoff Loan, offers a seamless lending experience focusing on personal loans. With their user-friendly website, borrowers can easily access loan amounts ranging from $5,000 to $35,000.

Happy Money understands that financial needs can vary, whether it’s for debt consolidation, home improvements, medical expenses, or other personal reasons. They strive to provide borrowers with flexible loan options that suit their unique circumstances.

By leveraging technology and data-driven underwriting, Happy Money streamlines the loan application process, ensuring quick decisions and efficient funding. Their dedication to transparency and responsible lending practices sets them apart.

Highlights of the Happy Money (Payoff Loan) Affiliate Program

  • $150 flat commission per referred qualified loan
  • 45 days cookie duration
  • Integrated with Commission Junction (CJ Advertiser ID: 4881039)
  • Transparent reporting and timely insights
  • User-friendly affiliate dashboard

URL: Happy Money Affiliate Program

Commission: $150

Cookie Duration: 45 Days

Payment Term: Monthly Payouts Managed by Commission Junction

5. LendingTree

LendingTree is a financing marketplace that lets you find the right loan as per your requirements. The platform has been serving the UK market for over 20 years. Through their user-friendly website, individuals can explore personal loan options and apply for funds ranging from $1,000 to $50,000 or even higher, depending on the lender.

LendingTree simplifies the loan application process by allowing borrowers to compare multiple loan offers from different lenders, all in one place. This empowers borrowers to make informed decisions based on competitive interest rates, repayment terms, and loan amounts that best fit their needs.

Whether it is for debt consolidation, home improvements, major purchases, or any other personal expenses, LendingTree provides a convenient platform for finding personalised loan options. Their extensive network of lenders ensures a high likelihood of connecting borrowers with suitable loan offers, making LendingTree.com a trusted destination for securing personal loans.

Highlights of the LendingTree Affiliate Program

  • Up to $35 commission per qualified referred loan
  • 14 days cookie life
  • Third-party tracking, 24/7 access to reporting dashboard, and a dedicated affiliate support team
  • Integrated with Commission Junction (CJ Advertiser ID: 4884367)

URL: LendingTree Affiliate Program

Commission: Up to $35

Cookie Duration: 14 Days

Payment Term: Monthly Payouts Managed by Commission Junction

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6. Laurel Road

Laurel Road, a digital banking platform and a brand of KeyBank, is dedicated to providing customized financial solutions to support the financial well-being of healthcare and business professionals. Their comprehensive range of banking and lending services includes Student Loan Refinancing, Mortgages, Personal Loans, a Student Loan Cashback Credit Card, as well as tailored savings accounts, among others.

Since its establishment in 2013, Laurel Road has been instrumental in assisting numerous professionals with undergraduate and postgraduate degrees in consolidating and refinancing over $9 billion in federal and private school loans. In April 2019, Laurel Road joined forces with KeyBank, which is recognized as one of the largest bank-based financial services companies in the nation and operates under the membership of the FDIC. Through this partnership, Laurel Road aims to further enhance its offerings and provide even more robust financial solutions to its valued customers.

Laurel Road personal loans are designed to provide flexibility, competitive interest rates, and convenient repayment terms. Borrowers can apply for personal loans ranging from $1,000 to $80,000, enabling them to meet a wide range of expenses, from debt consolidation to home renovations and more.

Highlights of the Laurel Road Affiliate Program

  • $150 flat commission per qualified loan
  • 45 days cookie life
  • Dedicated affiliate program manager
  • Reliable tracking and transparent reporting
  • Integrated with Commission Junction (CJ Advertiser ID: 5757018)

URL: Laurel Road Affiliate Program

Commission: $150

Cookie Duration: 45 Days

Payment Term: Monthly Payouts Managed by Commission Junction

7. Loan.co.uk

Loan.co.uk is a reputable online lending platform that provides a range of personal loan offers tailored to meet individual financial needs. With a user-friendly website, they offer a seamless borrowing experience.

Their personal loan options are designed to offer flexibility, competitive interest rates, and convenient repayment terms. Whether you need funds for home improvements, debt consolidation, or any other personal expenses, Loan.co.uk strives to provide affordable solutions.

The application process is straightforward and efficient, allowing borrowers to easily apply online and receive quick loan decisions. They understand the importance of responsible lending and work closely with borrowers to ensure they find the right loan option. Loan.co.uk is committed to delivering transparent and reliable financial services, making them a trusted choice for personal loans in the UK.

Highlights of the loan.co.uk Affiliate Program

  • Pay Per Lead (PPL) Commission
  • Ideal for influencers, mortgage and loan affiliates, website owners, and estate agents
  • No upfront fee for your referrals
  • Tailor-made free quotes for your referrals
  • A trusted brand with 7 offices in the UK
  • A team of CRO experts and over 100 brokers across the UK
  • Dedicated online portal for affiliates for real-time lead tracking and performance reporting
  • Co-branded banners, unique landing pages, and mortgage calculator
  • Dedicated account manager

URL: loan.co.uk Affiliate Program

Commission: Not Disclosed

Cookie Duration: Not Disclosed

Payment Term: Not Disclosed

8. Wonga

Wonga is an online loan provider based in South Africa. The platform offers short-term loans to applicants in search of quick cash to manage their financial needs.

With a user-friendly interface and a streamlined application process, Wonga offers individuals quick and convenient access to much-needed funds. Whether you require financial assistance for unexpected expenses, urgent bills, or any other pressing needs, Wonga caters to your requirements.

By leveraging advanced technology, they assess applications swiftly and offer flexible repayment options to suit your financial circumstances. Wonga prioritises customer satisfaction and transparency, ensuring borrowers have a clear understanding of loan terms and costs.

As a trusted name in the industry, Wonga continues to serve as a reliable source of financial support for South Africans, providing efficient loan solutions that empower individuals during times of financial need.

Highlights of the Wonga Affiliate Program

  • Dedicated affiliate marketing team
  • Real-time reporting and tracking
  • Commissions are paid once every two moths
  • User-friendly dashboard
  • Optimised suite of marketing creatives

URL: Wonga Affiliate Program | Signup via OfferForge

Commission: Not Disclosed

Cookie Duration: Not Disclosed

Payment Term: Once Every Two Months

9. Vivaloan

Vivaloan provides secure access to personal loans. It is designed to improve your financial needs and lifestyle. Vivaloan is very secure for users because all the data processed is encrypted with the latest 256-bit SSL encryption technology.

Vivaloan offers instalment and short-term loan options making repayment fairly easy for the applicants. Payments are made through the same bank account, so borrowers can improve their credit scores. You can apply for a personal loan between $100 and $15,000.

Highlights of the Vivaloan Affiliate Program

  • $45 CPA commission
  • 1 day cookie life
  • Transparent reporting and third-party tracking
  • Integrated with AWIN (Merchant ID: 9105)

URL: Vivaloan Affiliate Program

Commission: $45 CPA

Cookie Duration: 1 Day

Payment Term: Monthly Payouts Managed by AWIN

Earning Big As An Affiliate In The Personal Loans Niche

One of the first ever niches I started out in as an affiliate was the personal loans niche & I can tell you from experience there’s certainly a lot of money to be made in it.

Not only do personal loan affiliate programs typically pay out really high commissions, but they also generally convert extremely well too.

In fact, I found it to be one of the highest-converting niches I ever worked in.

Of course, however, with it being finance related, there is a bit more red tape & the requirement to be licensed in certain countries.

But still, it can certainly be a worthwhile & lucrative venture.

To succeed, though, you need to know how to generate a consistent stream of targeted traffic.

In other words, you need to know how to get people who are interested in loans clicking on your affiliate links & completing applications.

And thankfully, that is where our free affiliate marketing course will help you out.

In our free step-by-step training course, you’ll learn how you can thrive as an affiliate in the personal loans niche (or any niche, for that matter).

So if you haven’t yet done so, be sure to sign up for the free training before you leave.

But overall, I hope you found this list of personal loan affiliate programs helpful & I hope you were able to find a program to suit your needs.

If you happen to have any further questions or comments, don’t hesitate to leave them below.

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