Financial affiliate programs may seem intimidating, but you don’t need to be a finance expert to earn money in the personal finance industry.

You just need to find the best financial affiliate offers, direct your audience toward them, and let the big banks, credit card companies, and loan providers close the deal.

And it’s definitely a good time to start promoting finance affiliate programs. For starters, our affiliate marketing statistics show that finance is one of the highest-earning affiliate niches. The average affiliate marketer in this space earns $9,296 per month.

That’s just a quick snapshot of the opportunity surrounding credit cards. Add in savings and checking accounts, loans, credit scores, and much more, and it should be clear that the financial industry is a potential gold mine for affiliate marketers.

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1 Personal Capital

Personal Capital aims to provide “a better, more logical and personal way to invest and manage your money”.

To achieve that, it offers users many personal finance-related tools, including a net worth calculator, a retirement planner, and a fee analyzer designed to unearth hidden fees in mutual funds, investing, and retirement accounts.

It’s evidently good at what it does because more than three million people use its various features, and as of July 2021, more than $20 billion worth of assets under management.

You can earn some of that cash through the Personal Capital affiliate program. The program pays an impressive $100 for each qualified lead, and the company claims its top affiliates earn up to $50,000 monthly.

URL: Personal Capital affiliate program
Commission rate: $100 per qualified lead
Cookie duration: 30 days

2 eToro

eToro is an all-in-one trading platform that allows members to trade stocks and ETFs, cryptocurrencies, and CFDs from a single hub. Just don’t ask me to explain what an ETF or CFD is.

It’s an extremely popular site, with more than 16 million users worldwide and almost 350 million trades opened on the platform at the time of writing. And it’s easy to see why, with its 50 most-copied traders enjoying an average yearly profit of 83.7% in 2020.

So what about eToro’s affiliate program? Well, it’s impressive, paying a CPA of up to $250. To help you along the way, you’ll get access to converting promo tools, intuitive tracking systems, and the ongoing support of eToro’s dedicated affiliate managers.

URL: eToro affiliate program
Commission rate: Up to $250
Cookie duration: Lifetime

3 Credit Karma

Credit Karma is similar to Credit Sesame— firstly, because its name starts with the word “credit,” and secondly, it offers free credit scores.

That said, it’s arguably a bigger and better-known brand than Credit Sesame, with more than 100 million members using the app. In turn, that theoretically makes it easier for affiliates to promote.

However (sorry, there’s always a “however”), it’s not quite as simple to earn a commission here as through many other financial affiliate programs. Why? Because Credit Karma only pays out online mortgage submissions. That’s a pretty major financial decision, which means a longer conversion funnel, and it also rules out any members of your audience who don’t own a home.

URL: Credit Karma affiliate program
Commission rate: $12 per online mortgage submission
Cookie duration: 30 days

4 Credit Sesame

Credit Sesame is a membership site that gives its users free credit reports and provides advice on improving it. As well as this, it offers a fee-free debit account that pays members up to $100 every 30 days as their credit score improves. Get paid for building strong credit? Sounds too good to be true!

Not only that, but Credit Sesame also gives its members $1 million in free identity theft insurance, so if the worst happens and their identity gets stolen, they’ve got protection to fall back on.

Credit Sesame sounds like a pretty easy sell for affiliate marketers in the financial niche with all those features available free of charge. Best of all, its affiliate program pays commissions of $9 per registered user, whether or not those users actually go on to spend any money with Credit Sesame.

URL: Credit Sesame affiliate program
Commission rate: $9 per registered user
Cookie duration: 30 days

5 Ally Invest

Ally offers a wide range of financial products, including online savings and investment programs, in addition to their home and auto loans. However, their affiliate program focuses on the investment side of the business, specifically trading in stocks.

Investors can choose self-directed trading if they’re already experienced traders or a managed portfolio for anyone who prefers a more hands-free approach to making money from trades. So, if you’ve always fancied yourself as a bit of a Warren Buffet, you’ve found the perfect program for you.

Well, it’s probably also perfect for you because of the $900+ EPC and up to $50 commission per lead.

Promoting a program of this type usually requires access to a more niche audience, specifically those with disposable income and who are interested in day trading. But Ally is making its affiliates a lot of money, so finding or creating that niche audience is well worth the effort.

URL: Ally Invest affiliate program
Commission rate: $25 – $50 per lead
Cookie duration: 45 days

6 BBVA Banks

You might not be instantly familiar with the BBVA brand, but they’ve been in business since 1964. They’ve also changed their name a few times over the years, from Central Bank, to Compass, then to Compass Bancshares before they became Compass BBVA (Banco Bilbao Vizcaya Argentaria) and finally just BBVA.

As you’d expect from a bank, it offers its US customers checking and savings accounts, personal and business loans, mortgages, credit cards, and various investment solutions.

Now for the really interesting bit- they pay $85 for every qualified lead you send. Also, remember that if you send enough pre-qualified traffic to a program like this, nothing stops you from negotiating a separate commission rate later.

The nice thing about a program like this is that you can promote it to almost any audience — from mom bloggers to home decor sites or even just people learning about personal finances.

URL: BBVA USA affiliate program
Commission rate: $85 per lead
Cookie duration: TBC

7 Acorns

Acorns is a micro-investing platform that allows members to automatically set aside spare change or a small chunk of cash from each paycheck to build a future nest egg.

Users get access to smart investment portfolios designed by experts that are automatically adjusted as their savings grow. Presumably, it works pretty well because more than eight million people have signed up so far.

The brand’s audience skews younger than most financial brands, with an average age of 24 – 35. So if your site targets a predominantly Millennial demographic, this is one of the best financial affiliate programs you can choose.

Acorns pays a $10 commission for every qualified lead you send its way— so again, you don’t need to drive sales to earn money through this affiliate program.

URL: Acorns affiliate program
Commission rate: $10 per lead
Cookie duration: 30 days

8 Coinbase

Unless you’ve been hiding under a rock for several years, you’ll know cryptocurrency has been attracting a whole lot of attention in the financial industry (and beyond). In fact, 21 million Americans— or about 14% of the population— own cryptocurrency right now, while around 13% plan to purchase crypto in the next year.

This brings us to Coinbase, which positions itself as the “easiest place to buy and sell cryptocurrency”. The platform offers all the major currencies, from Bitcoin and Etherium to Tether and Dogecoin.

It works in over 100 countries, has over 56 million verified users, and has a quarterly traded volume of $335 billion. All of this means there’s plenty of money to be made here. Sign up for the Coinbase affiliate program, and you’ll earn 50% of your referrals’ trading fees for the first three months.

URL: Coinbase affiliate program
Commission rate: 50% of trading fees for three months
Cookie length: 30 days

Read more:

Coinbase Affiliate Program Review

9 Robinhood

Robinhood is a commission-free trading platform designed to make it easy for anyone to invest in stocks and shares. If its name sounds familiar, that’s likely because it was at the center of early 2021’s GameStop trading frenzy.

It’s hugely popular, with the number of funded accounts— that is, those with bank accounts linked to them— climbing to 18 million as of March this year, up from just over seven million a year earlier.

Unfortunately, while there’s definitely a ton of interest in platforms like Robinhood, its terms and conditions don’t stack up too well against the very best financial affiliate programs— $5 per lead is nothing to get too excited about. However, there’s more to be made from referring to funded accounts.

URL: Robinhood affiliate program
Commission rate: $5 per signup, $20 per funded account
Cookie duration: 30 days

10 Experian

Experian is a massive player in consumer financial services. Along with Equifax and TransUnion, it is one of the so-called “big three” credit score providers. Consumers in dozens of countries turn to Experian to learn about their credit scores and how to improve them. Given the importance of credit in our daily lives, there’s clearly a huge need for Experian’s services, making this potentially one of the best affiliate programs in the finance niche.

Still need convincing about the scale of the opportunity? Try this for size: more than 3.1 million Experian members use its credit monitoring products, and the company has delivered more than 20 million online credit reports.

So does Experian offer one of the best financial affiliate programs? Well, it’s actually a bit of a mixed bag.

On the one hand, the program — run through CJ Affiliate — pays a $6 commission for referring customers to sign up for a free account. Commissions range from $7 to $30 for paid products. But on the downside, the 10-day cookie window is the worst of all the financial services affiliate programs we’ve looked at here.

URL: Experian affiliate program
Commission rate: $6 – $30 per order
Cookie duration: 10 days

11 Binance

Along with Coinbase, Binance is another big cryptocurrency trading platform. It’s the driving force behind more than 1.4 million transactions every second and has an average daily volume of $2 billion.

It’s worth noting that the Binance affiliate program isn’t open to just anyone. As an affiliate marketer, you’ll need to:

Have at least 5,000 subscribers on YouTube, Twitter, Facebook, or Instagram
Run a crypto community with at least 500 members
Own a website with a user base of 2,000+ people

So you won’t be surprised to find there’s a ton of money to be made here. With a lifetime commission of up to 50% on every qualified trade, Binance offers one of the highest-paying financial affiliate programs we’ve seen.

URL: Binance affiliate program
Commission rate: Up to 50% lifetime commissions
Cookie duration: 90 days

12 Wise

Wise is an international money transfer service that helps more than 10 million consumers and businesses save money on international currency transactions. It also offers a debit card that allows people to spend money in 200 countries without encountering any hidden fees.

With a well-known brand and international reach, the Wise affiliate program offers plenty of scope for monetization. Sign up, and you can earn a £10 commission for every personal user you refer or £50 per business customer.

What’s more, while most financial affiliate programs we’ve seen offer the classic 30-day cookie window, Wise offers a lifetime cookie, so you’ll be paid a commission whether your referral signs up in a week, a month, or a year (or even longer).

URL: Wise affiliate program
Commission rate: £10 for personal users, £50 for business customers
Cookie duration: Lifetime

13 Questrade

Questrade is an online brokerage and wealth management company based in Canada. In fact, it’s the country’s fastest-growing online brokerage, with more than 200,000 accounts opened annually and $25 billion in assets under its administration. It specializes in charging customers low commissions, with wealth management fees starting at just 0.25% (or 0.2% for people investing more than $100,000).

Fortunately, those low commissions don’t apply to Questrade’s affiliate program— quite the opposite.

The company offers a choice of CPA or revenue share models, with the former paying $70 per acquisition and the latter paying a 7.5% cut. Not only that, but when you refer new affiliates, you’ll earn $10 or 1.5% of commissions generated for every new account your sub-affiliates refer, depending on your choice of plan. Think of all that passive income!

URL: Questrade affiliate program
Commission rate: $70 CPA or 7.5% revenue share
Cookie duration: 60 days

14 USAA Credit Cards

The first thing about USAA Credit Cards is they cater to a very specific niche within a niche — financial products for active or retired military members.

We also noticed that they offer a full range of financial products, from auto and home insurance to credit cards, checking accounts, and auto loans. They also offer mortgages, health insurance, and even retirement and investment plans.

Granted, some of their products are offered in partnership with another provider, but this still means all the financial needs of a military family can be met under one roof.

Affiliates make $25 per lead, which is on the low side of things for financial services programs. But USAA generates a lot of revenue for their affiliates, and you have a potential market of 1.3 million active members, and about 21.8 million retired veterans. So those numbers give you a lot of scopes to work with.

URL: USAA Credit Cards affiliate program
Commission rate: $25 per lead
Cookie duration: 30 days

The Bottom Line

As you can see, there’s a lot more to the finance niche than just payday loans and credit cards.

And let’s take the above example of military loans. Hundreds of low-competition keywords show up in Ahrefs for that niche.

Hundreds, we spent a few minutes investigating in more detail for just one program.

But we get that evaluating niches isn’t easy until you know how.

This is why we think you might enjoy our free training session on authority sites.

We give away information that other “experts” charge for – check it out here.