Affiliate marketing is a great way to earn passive income online. By promoting financial products and services, you can earn a commission on every sale made through your unique affiliate link. In 2023, there are numerous high-paying financial affiliate programs to choose from, each offering lucrative commission structures and a variety of products to promote.
Whether you’re a financial blogger, social media influencer, or just someone looking to earn extra cash, joining a financial affiliate program can be a great way to increase your earnings. With the right program and a little bit of effort, you can earn a substantial amount of money promoting financial products such as credit cards, loans, insurance, and investment services.
To help you get started, we’ve compiled a list of the 25 best financial affiliate programs for 2023. These programs offer top commission rates, high-converting products, and excellent support to help you succeed as an affiliate marketer. Whether you’re a beginner or an experienced marketer, you’ll find a program that fits your needs and allows you to maximize your earnings.
Financial Affiliate Programs
USAA Credit Cards
USAA Credit Cards is a financial services provider that caters to a highly specialized demographic: active and retired military members. The company offers a comprehensive range of financial products, including credit cards, checking accounts, auto loans, home and auto insurance, mortgages, health insurance, and investment and retirement plans. These products are designed to meet the unique financial needs of military families, providing them with a one-stop-shop for all their financial requirements.
While some of the products offered by USAA are part of a partnership with other providers, this arrangement ensures that military families can access all their financial needs in one place. This makes USAA a highly convenient and accessible option for active and retired military members, ensuring they have access to the financial products they need to manage their finances effectively.
As an affiliate marketer, you have the opportunity to promote USAA’s financial products and earn a commission on every sale made through your unique affiliate link. While the commission rate of $25 per lead may be on the lower side compared to other financial services programs, USAA generates substantial revenue for its affiliates. With a potential market of over 21.8 million retired veterans and 1.3 million active members, you have a vast audience to target and a wide scope to work with. Whether you’re a financial blogger, social media influencer, or simply looking to earn some extra cash, partnering with USAA as an affiliate marketer can be a highly lucrative opportunity.
URL: USAA Credit Cards affiliate program
Commission rate: $25 per lead
Cookie duration: 30 days
BBVA Banks
The BBVA brand may not be a household name for everyone, but the company has a long and rich history dating back to 1964. Over the years, the company has undergone several name changes, from Central Bank to Compass Bancshares, and then to Compass BBVA (Banco Bilbao Vizcaya Argentaria) before finally settling on the name BBVA.
As a reputable bank, BBVA provides its customers in the US with a range of financial products and services, including checking and savings accounts, personal and business loans, mortgages, credit cards, and investment solutions. This diverse range of products and services makes BBVA an attractive option for customers looking to manage their finances effectively.
One of the most attractive aspects of promoting BBVA as an affiliate marketer is the commission rate they offer. With a commission of $85 per qualified lead, you can earn a substantial income by promoting BBVA’s financial products to your audience. Additionally, the EPC (Earnings Per Click) for this program is a staggering $436.13, which further highlights the earning potential for affiliates. If you’re able to generate enough pre-qualified traffic for BBVA, there’s nothing stopping you from negotiating a higher commission rate.
The great thing about a program like BBVA is that it can be promoted to a wide range of audiences, from mom bloggers to home decor sites, or even people looking to learn about personal finances. Whether you’re a financial expert or just starting out, promoting BBVA as an affiliate marketer can be a highly rewarding opportunity.
URL: BBVA USA affiliate program
Commission rate: $85 per lead
Cookie duration: TBC
LifeLock
The reality of our modern world is that identity theft is a growing concern for many individuals. In fact, statistics show that the financial cost of these crimes has reached a staggering $107 billion since 2011, with the average victim losing at least $1,343. In light of this, it’s crucial to have a reliable solution to protect oneself against such threats, and that’s where LifeLock comes into play.
LifeLock is a well-established company in the industry, having been around since 2006. They offer a comprehensive identity theft protection service, monitoring your accounts for any suspicious activity, including changes in your credit file, address changes, and even if your personal data is being sold on the dark web. They also provide timely notifications of any potential breaches, which can be crucial in the event of a data leak.
The market for identity theft protection services is vast, with many businesses not reporting data breaches for up to 60 days after the incident occurs. This makes LifeLock a valuable solution for many consumers, and a lucrative opportunity for affiliates. The company offers varying membership levels, with even their basic plan offering up to $25,000 reimbursement for stolen funds in case of identity theft.
URL: LifeLock affiliate program
Commission rate: Up to $110 per sale
Cookie duration: 30 days
Lending Tree
Lending Tree is a well-known name in the financial sector and a company that truly stands out in the world of price comparison sites. They offer a comprehensive range of products, including home loans, personal loans, credit cards, and insurance, making it easier for consumers to find the best financial options to suit their needs.
As a price comparison site, Lending Tree has been able to tap into a large market of consumers who prefer to compare options and find the best deals before making a financial decision. This is evident from their impressive EPC (Earnings Per Click), making Lending Tree a valuable addition to any affiliate program portfolio.
Whether you have a blog that focuses on personal finance, home loans, or insurance, Lending Tree’s products could provide a complementary addition to your existing offerings. And with a large market of consumers searching for financial solutions, the potential for earnings through this program is significant.
URL: Lending Tree affiliate program
Commission rate: Up to $70 per lead
Cookie duration: 14 days
Barclays US Online Savings
Barclays, a name synonymous with finance, has a rich history dating back to 1690. Over the centuries, the company has grown into a banking behemoth with a customer base spanning 48 million individuals worldwide, including those in the United States.
The Barclays affiliate program focuses on their online-only US savings account service, designed for individuals who already have another bank account but want to maximize their savings potential through the high interest rates offered by Barclays.
One might be astounded by the incredibly high EPC of $906.78 associated with this program. It raises the question of how such a high earnings per click can be achieved, especially considering the commission rate. However, the information found on Commission Junction may not be accurate, and we are in the process of seeking clarification on this matter.
Regardless, the numbers don’t lie, and Barclays US Online Savings affiliates seem to be generating substantial revenue by promoting this service. It would require a significant amount of loan applicants to be referred each month to explain such a high EPC, but the potential for success is evident.
URL: Barclays US Online Savings affiliate program
Commission rate: $2 per sale
Cookie duration: 45 days
CIT Bank
CIT Bank has a long and rich history dating back to 1908 when it first started providing financial services to local businesses in St. Louis, Missouri. Over the years, the bank has overcome numerous global challenges and financial crises, and has become a well-established name in the finance industry.
In addition to its business financing roots, CIT Bank now offers a wide range of personal finance products, including savings accounts, certificates of deposit (CDs), and mortgages. The savings accounts offered by the bank are known for their high-interest rates and long-term security, including CDs that come with no penalties.
For affiliates, the CIT Bank affiliate program is a great opportunity to earn substantial income. They offer a generous $100 commission for every qualified lead you send their way, which is a rare find in the affiliate marketing space, especially compared to other bank affiliate programs.
Although promoting financial products like CIT Bank may require more effort on your part, the payoff is worth it. With the potential to earn ten times as much as a $10 commission for just twice the effort, this affiliate program is an excellent opportunity to earn a substantial income while working from the comfort of your own home. You won’t find a better return on investment anywhere else!
URL: C.I.T Bank affiliate program
Commission rate: $100 per lead
Cookie duration: 30 days
Ally Invest
Ally Financial offers a comprehensive portfolio of financial products, including online savings accounts, investment programs, home and auto loans, and more. However, the focus of their affiliate program lies in the investment arena, particularly in stock trading.
This program caters to both seasoned traders who prefer self-directed trading and novice investors who prefer a more hands-off approach with a managed portfolio option. Whether you’re a seasoned trader or just starting out, Ally has something for you.
Not only does Ally offer a user-friendly platform, but their affiliate program also boasts an impressive EPC of over $900 and a commission of up to $50 per qualified lead. Promoting this program requires access to a specific niche audience with disposable income and an interest in day trading, but the reward of high payouts make the effort to reach this audience well worth it.
URL: Ally Invest affiliate program
Commission rate: $25 – $50 per lead
Cookie duration: 45 days
Peer Street
Founded by former Google employees, Peer Street is a unique real estate investment firm that allows you to begin building your investment portfolio with just $1,000. It brings together traditional real estate investing with cutting-edge machine learning technology, creating a crowd-funded investment platform.
Money in savings accounts may only earn you a modest 3% annually, while managed stock portfolios may return around 10%. But with Peer Street, you have the potential to earn double-digit returns through investment in the timeless asset class of real estate.
This program stands out due to its uniqueness, making it a great choice for affiliate promotion. With a $30 commission per lead and a strong EPC, even with a low entry-level investment of $1,000, Peer Street is a solid opportunity for affiliate marketers. The company may either rise to the top or fade away, but we anticipate they will make a bigger impact than many anticipate.
URL: Peer Street affiliate program
Commission rate: $30 per lead
Cookie duration: 45 days
M1 Finance
M1 is a finance platform that offers a wide range of financial services to its users. With M1, users can make automated, flexible, and customizable investments, borrow money at attractive rates of 2% to 3.5%, and manage their spending through digital banking, all from one convenient app.
M1’s popularity is evident from its hundreds of thousands of users and its high-rated reviews on the Apple and Google Play stores. In fact, it has been named Yahoo’s top free trading platform.
To take advantage of M1’s success, you can join their affiliate program through the Impact affiliate network. For every referral that reaches $1,000 in funding, you’ll earn a rewarding $100 commission. Although the cookie window is only 30 days, as long as your referral reaches the $1,000 threshold within 400 days, you’ll receive your commission.
URL: M1 Finance affiliate program
Commission rate: $100
Cookie duration: 30 days
Truebill
Truebill is a powerful money management tool aimed at helping users keep track of their expenses, monitor their subscriptions, and minimize their bill payments. The app boasts several advanced features, including the ability to automatically cancel unwanted subscriptions and having experts available to negotiate better rates.
While some features of the app can be accessed for free, others require a fee. The premium services, such as the “Cancellations Concierge,” are priced between $3 to $12 monthly or $36 to $48 annually. Unlike other personal finance affiliate programs, Truebill pays its affiliates a commission of $10 for every referral who downloads the app and connects it to their checking account or credit card, regardless of whether they upgrade to the premium version or not.
URL: Truebill affiliate program
Commission rate: $10 per linked account
Cookie duration: 30 days
Acorns
Acorns is a micro-investing platform that makes it simple for individuals to start building their future nest egg. By automatically setting aside spare change or a portion of each paycheck, users can access expertly designed investment portfolios that grow with their savings. With over 8 million members, it’s evident that the platform is successful.
The target audience of Acorns is younger, with an average age of 24-35, making it an excellent option for financial affiliate programs targeting the Millennial demographic.
With a $10 commission for every qualified lead, the Acorns affiliate program offers an easy way to earn money without having to drive sales.
Commission rate: $10 per lead
Cookie duration: 30 days
Personal Capital
Personal Capital aims to provide a more personal and efficient way of managing money through its suite of financial tools. These tools include a net worth calculator, a retirement planner, and a fee analyzer that helps users find hidden fees in their accounts.
Thanks to its effective services, the platform has gained popularity among over three million users, with more than $20 billion in assets under management as of July 2021.
Join Personal Capital’s affiliate program to get a share of the wealth. The program offers a generous $100 commission for every qualified lead, and the company claims its top affiliates earn up to $50,000 per month.
URL: Personal Capital affiliate program
Commission rate: $100 per qualified lead
Cookie duration: 30 days
Credit Sesame
Credit Sesame is a membership platform that offers its users free credit reports, credit score improvement tips, and a fee-free debit account that rewards members with up to $100 every 30 days as their credit score improves. It also provides $1 million in free identity theft insurance for added peace of mind.
This platform offers a great opportunity for financial niche affiliate marketers with its free services and attractive commission structure. You can earn $9 per registered user, regardless of whether they make any purchases with Credit Sesame.
URL: Credit Sesame affiliate program
Commission rate: $9 per registered user
Cookie duration: 30 days
Credit Karma
Credit Karma is like Credit Sesame in that it provides free credit scores. It is also a more established brand with a larger user base of over 100 million, making it easier for affiliates to market. However, earning a commission through the Credit Karma affiliate program is more challenging compared to other financial affiliate programs. This is because Credit Karma only pays out commissions for online mortgage submissions, which is a major financial decision that requires a longer conversion process. Additionally, members who do not own a home will not be eligible to receive a commission.
URL: Credit Karma affiliate program
Commission rate: $12 per online mortgage submission
Cookie duration: 30 days
Coinbase
Cryptocurrency has been a hot topic in the financial world and beyond for a few years now. In fact, 14% of Americans, or 21 million people, currently own some form of crypto and another 13% plan to invest in the near future.
Enter Coinbase, which aims to be the simplest platform to buy and sell cryptocurrencies. The platform offers a wide range of major currencies, including Bitcoin, Ethereum, Tether, and Dogecoin.
With a global reach in over 100 countries, 56 million verified users, and a quarterly trade volume of $335 billion, Coinbase presents a lucrative opportunity for affiliates. By joining the Coinbase affiliate program, you can 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
Robinhood
Robinhood is a trading platform that aims to make investing in stocks and shares accessible to everyone without charging any commission fees. Its popularity rose to prominence during the GameStop trading frenzy in early 2021 and since then, the number of funded accounts on the platform, meaning accounts linked to bank accounts, has grown to 18 million by March 2022, a significant increase from just over 7 million in the previous year.
While Robinhood certainly garners a lot of attention, its affiliate program is not quite as impressive as other top financial affiliate programs, offering only $5 per lead. However, there is potential for higher earnings by referring funded accounts.
URL: Robinhood affiliate program
Commission rate: $5 per signup, $20 per funded account
Cookie duration: 30 days
Farther Finance
The traditional model of wealth management has been exclusive to the wealthy, which makes sense given its name. However, Farther Finance is on a mission to make wealth management accessible to everyone by integrating technology and expert advisors. You can be a part of this movement by joining their affiliate program. Although the commission for each new email signup referred is modest at $5, there’s no requirement for a sale to be made to earn it.
URL: Farther Finance affiliate program
Commission rate: $5 per new email signup
Cookie duration: 30 days
Experian
Experian is a leading provider of consumer financial services and is considered one of the “big three” credit score companies, along with Equifax and TransUnion. It’s a trusted source for millions of consumers around the world who seek information about their credit score and advice on how to improve it. Given the critical role credit plays in our daily lives, there’s significant demand for Experian’s services, making this an attractive affiliate program in the financial niche.
Consider the size of the opportunity: Over 3.1 million people use Experian’s credit monitoring products and the company has delivered over 20 million online credit reports.
However, the Experian affiliate program, which is run through CJ Affiliate, is a bit of a mixed bag. On one hand, it pays a commission of $6 for referring customers to sign up for a free account, with commissions ranging from $7-$30 for paid products. On the other hand, it has the worst cookie window of all the financial services affiliate programs, with only a 10-day window for commissions.
URL: Experian affiliate program
Commission rate: $6 – $30 per order
Cookie duration: 10 days
Binance
If you’re interested in the world of cryptocurrency trading, Binance is a name you’re sure to be familiar with. With a massive 1.4 million transactions taking place on the platform every second, Binance is a trading force to be reckoned with. The average daily volume on the platform is a staggering $2 billion.
This creates a huge opportunity for affiliates to make money. The Binance affiliate program offers a lifetime commission of up to 50% on every qualified trade, making it one of the most lucrative financial affiliate programs available.
However, it’s important to note that not everyone can participate in the Binance affiliate program. To be eligible, you must have at least 5,000 subscribers on platforms such as YouTube, Twitter, Facebook, or Instagram. You must also run a crypto community with at least 500 members and have a website with a user base of 2,000+.
URL: Binance affiliate program
Commission rate: Up to 50% lifetime commissions
Cookie duration: 90 days
EToro
eToro is a comprehensive trading platform that enables its members to trade stocks and ETFs, cryptocurrencies, and CFDs all in one place. With over 16 million users worldwide and nearly 350 million trades executed, it’s no wonder why eToro is so popular. In 2020, the platform’s top 50 most copied traders saw an average yearly profit of 83.7%.
As for its affiliate program, eToro definitely delivers. The program offers a CPA of up to $250, and affiliates receive access to converting promotional tools, effective tracking systems, and the ongoing support of dedicated eToro affiliate managers.
Commission rate: Up to $250
Cookie duration: Lifetime
Wealthsimple
Wealthsimple positions itself as an investment platform that is both smart and straightforward. It offers expert financial advice to its clients to help them define their investment objectives, choose the right investment accounts, and understand potential risks. Over 1.5 million individuals globally rely on Wealthsimple’s investment, savings, and tax products to achieve long-term financial stability.
One of the potential obstacles for services like Wealthsimple is that your audience may already have savings accounts with another provider. However, Wealthsimple addresses this by covering their transfer fees, which can be a valuable selling point. In terms of commission, Wealthsimple affiliates can earn $5 to $50 for each funded client they refer, with the amount varying based on the investment made by the referrals.
URL: Wealthsimple affiliate program
Commission rate: $5 – $50 per funded client
Cookie duration: 45 days
Wise
Wise is a global money transfer platform that helps over 10 million consumers and businesses save on their international currency exchanges. It also offers other services such as a debit card for traveling in 200 countries with no hidden fees.
With a well-established brand and international presence, the Wise affiliate program offers ample opportunities for monetization. By joining, you can earn a £10 commission for every individual you refer or £50 per business referral.
Furthermore, while most financial affiliate programs have a 30-day cookie window, Wise provides a lifetime cookie. This means that you’ll receive a commission regardless of when your referral signs up, be it in a week, a month, a year, or beyond.
Commission rate: £10 for personal users, £50 for business customers
Cookie duration: Lifetime
TransUnion
Recall that among the three significant credit scoring companies are Experian, Equifax, and TransUnion. Like the others, TransUnion allows individuals to view their credit scores and take action to improve them, as well as provides $1 million in identity theft insurance.
TransUnion has many offerings, but its affiliate program only revolves around one of them, credit monitoring.
When a referral signs up for the credit monitoring service, an affiliate earns a commission. Regrettably, if the referral opts for a different product, no commission is earned.
URL: TransUnion affiliate program
Commission rate: Unlisted
Cookie duration: 30 days
Questrade
Questrade is a leading online brokerage and wealth management firm based in Canada, known for being the country’s fastest-growing online brokerage. It boasts of over 200,000 new accounts opened every year and $25 billion in assets under its management. With its focus on low commission charges, Questrade’s wealth management fees start at a mere 0.25% (or 0.2% for those investing over $100,000).
However, when it comes to the Questrade affiliate program, low commissions are not the norm. The company offers either CPA or revenue share options, with CPA paying out $70 per acquisition and revenue share offering a 7.5% commission. Additionally, by referring new affiliates, you can earn either $10 or 1.5% of the commissions generated by your sub-affiliates, depending on the plan you choose. Get ready for a steady stream of passive income!
URL: Questrade affiliate program
Commission rate: $70 CPA or 7.5% revenue share
Cookie duration: 60 days
Conclusion: Financial Affiliate Programs
The financial industry offers ample opportunities for affiliates to earn significant income. The top 25 high-paying financial affiliate programs for 2023 can be a lucrative source of passive income for individuals looking to maximize their earnings. From insurance to loans, credit cards, and investment services, there is something for everyone. As an affiliate, it is important to carefully consider the programs you join and their commission structures. Make sure you fully understand the products and services being offered, as well as the target audience you want to reach. By aligning yourself with reputable programs, you can build a successful affiliate marketing business in the financial industry. With the right approach and determination, there is no limit to the amount of income you can generate as a financial affiliate in 2023.
