Making Money Online

Debt Settlement Affiliate Programs: The Best of 2023

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Debt settlement is a big and growing industry, and it’s not hard to see why. In the United States alone, total household debt is currently at over $14 trillion, with credit card debt accounting for a significant portion of that number.

For many people struggling with debt, debt settlement can be a lifeline, providing a way to negotiate with creditors and reduce outstanding balances. And for affiliates looking to promote financial services, debt settlement can be a lucrative niche with plenty of potential.

So in this article, we’re going to take a look at the best debt settlement affiliate programs of 2023. Whether you’re a seasoned affiliate marketer or just starting out, there’s sure to be something here that catches your eye. So let’s dive in and explore what these programs have to offer.

Debt Settlement Affiliate Programs


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If you’re looking to promote debt settlement or relief programs, it’s worth considering complementary offers to help your audience manage their finances better. One such program is Experian, a credit reporting company that provides credit reports and FICO scores to help people keep track of their finances and manage their debts more effectively.

While not a debt settlement or relief provider itself, Experian is a valuable resource that you can refer people with financial troubles to. As an Experian affiliate, you can earn up to $4 per lead or up to $100 per sale, with a healthy EPC of US$221.97 over three months.

Promoting Experian’s credit reporting services is likely to be an easy sell, as they are a well-known household name. However, to maximize your earnings, it’s best to send pre-qualified traffic to their affiliate offers and use an Experian referral as an up-sell to debt settlement or negotiation products later on. With a 10-day cookie, you have plenty of time to convert your referrals into paying customers.

Guardian Debt Relief

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Guardian Debt Relief is a reputable service provider that specializes in debt settlement and negotiation. If you’re struggling with credit card debt, medical bills, private student loans, or utility bills, they can negotiate on your behalf to lower your debt amount. With Guardian Debt Relief, you don’t have to pay any upfront fees and can wrap up all your debts into one affordable monthly payment.

As an affiliate, you can earn a commission of $32 per qualified lead generated through their online form. And if your lead results in a phone consultation with the company, you can earn up to $45. Furthermore, if one of your referrals decides to sign up with Guardian Debt Relief, you can earn a whopping $325 commission.

The program’s high commission rates and excellent EPC make it a lucrative option for affiliates. With only eight successful referrals per month, you could earn a full-time income with this program. Guardian Debt Relief’s commitment to transparency and their exceptional service make them a valuable partner for any affiliate looking to promote debt settlement and negotiation services.

URL: Experian affiliate program

Commission rate: Up to $325 per sale

EPC: $270.55

Cookie duration: 45 days


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Upstart offers a unique approach to debt relief by using machine learning and AI to evaluate loan risk, allowing for loan approvals in just a few minutes. With loans ranging from $1,000 to $50,000, borrowers can use Upstart to consolidate debt or pay off credit cards and student loans.

As an affiliate, Upstart offers a payout of $80 for every successfully funded loan, with the potential for an increased payout of $120 per customer if you refer 25 or more funded loans per month. While the payouts may not be as high as some other programs, Upstart’s innovative approach to lending can be an attractive option for those seeking debt relief. Additionally, you may be able to negotiate a higher payout if your website generates a significant amount of traffic.

URL: Upstart affiliate program

Commission rate: Up to $120 per sale

EPC: 0.25 (in-house calculation)

Cookie duration: 45 days


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CuraDebt is a well-established debt negotiation and settlement provider that has been helping people get out of debt since the year 2000. While their website design may appear outdated, the thousands of positive reviews speak to their reliability and effectiveness in the industry.

As an affiliate, you can earn anywhere from $25 for a lead to a massive $500 commission for somebody who enrolls with CuraDebt. However, it’s important to note that these high payouts are based on referring a high volume of customers.

CuraDebt offers a “Never Expires” cookie, so you don’t need to worry about converting leads as quickly as possible. If you can drive enough qualified traffic to the program, you could potentially earn a substantial income with this affiliate program.

So, how many $500 commissions would you need to earn each month to achieve your financial goals and live the lifestyle of your dreams? With CuraDebt, the sky’s the limit.

URL: CuraDebt affiliate program

Commission rate: $25 per debt lead or up to $500 for a confirmed enrolment

EPC: $198.67

Cookie duration: Never expires

National Debt Relief

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For most Americans, credit card debt is a part of life, with the average debt being at least $5,700. However, there are many people who owe much more than that, such as those with a credit card debt of $50,000, spread across multiple lenders.

Bankruptcy is often the last resort for those struggling with credit card debt, but debt consolidation can be a better option for several reasons.

National Debt Relief provides debt settlement services for various types of debt, including credit card debt, personal loans, medical bills, business debts, and certain types of student debt. As an affiliate, you can earn a commission of $27.50 per lead for referring potential customers to them.

This commission is already attractive, and National Debt Relief is a top-performing affiliate program on the ShareASale network, which means that they are experts at converting qualified traffic into sales.

URL: National Debt Relief affiliate program

Commission rate: $27.50 per lead

EPC: $115.97

Cookie duration: 60 days

American Debt Enders

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American Debt Enders is a debt relief company that offers both debt management and debt settlement programs. The founders, a husband and wife team, started the business in 2006 after struggling with their own debt. ADE’s debt management program is open to anyone with at least $5,000 of credit card debt, while the debt settlement program is available to those with the same level of outstanding debt, except for payday loans, student loans, and IRS debt.

ADE also offers a credit restoration service to help improve credit scores. While their affiliate program offers $20 per qualified lead, they have other products with higher commissions. With an impressive $99.34 EPC, ADE’s affiliate program is a top performer that offers attractive payouts for affiliates. If you have an audience that could benefit from their services, ADE is definitely worth promoting to increase your earnings.

URL: American Debt Enders affiliate program

Commission rate: $25 per lead

EPC: $99.84

Cookie duration: Never expires

Lending Tree

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Lending Tree is a well-known brand in the financial industry, offering various financial products, including debt consolidation services, which can help families who are struggling with debt.

Debt consolidation can save money, reduce stress, and even improve FICO scores while paying off debt. The good news for affiliates is that Lending Tree is already a recognized and trusted brand, making it easier to promote their offers to potential customers.

Lending Tree is a broker, not a dedicated lender, but they have thousands of satisfied customers.

Affiliates can earn between $1 and $70 per lead, and the program has excellent 7-day and 30-day EPCs, which means they have a high potential for converting qualified traffic.

The program also boasts a 5/5 Network Earnings rating on Commission Junction, which is a testament to its consistent success in converting traffic into sales.

URL: Lending Tree affiliate program

Commission rate: Up to $70 per lead

EPC: $336.67

Cookie duration: 14 days

SOFI (Social Finance)

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Social Finance, commonly known as SoFi, is a fintech company that provides a range of financial products, including loans, credit card consolidation, and mortgage refinancing. What sets SoFi apart from traditional lenders is its strict lending criteria that ensure borrowers have a good track record of repaying their debts. As a result, the company can offer lower rates and better terms to its members, who number over 500,000 and counting.

SoFi’s product offerings range from $5,000 to $100,000, with repayment terms of 3 to 20 years. The application process is entirely digital, allowing borrowers to get pre-qualified for a loan in minutes and receive their funds within a few business days.

As an affiliate, you can earn generous commissions of $100 to $150 per valid and funded loan, depending on the type of loan. Although SoFi’s volume of sales isn’t as high as some of its competitors, its EPC of $82.84 and track record of paying out over $2 million in commissions to affiliates make it an attractive option to promote.

URL: SoFi affiliate program

Commission rate: $100 – $150 per lead

EPC: $82.84

Cookie duration: 30 days

Conclusion: Debt Settlement Affiliate Programs

These are the best debt settlement affiliate programs of 2023 that you can join to help people in need of financial assistance while earning a commission. These affiliate programs include some of the most reputable companies in the debt settlement and relief industry, such as Guardian Debt Relief, National Debt Relief, and American Debt Enders. They offer various services, including debt settlement, debt consolidation, and personal loans, which can help your visitors get out of debt and start rebuilding their credit. With high commission rates, impressive EPCs, and top-performing affiliate programs, these debt settlement affiliate programs can be an excellent source of income for you as an affiliate marketer.


Jack Quy

About Author

Jack Quy is the founder of, a site dedicated to providing insights into freelancing and blogging from his own experience since 2009. His blog is full of great tips and strategies for all things related to working as a freelancer and blogger. No matter your level of experience, these invaluable hints and advice will help you reach your objectives. Be it if you're beginning in the industry or already have some working knowledge, this information is sure to be useful.

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