7 Best Financial Affiliate Programs in 2024 | High Paying Financial Programs

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It’s no secret that the world of finance is lucrative and has produced a slew of millionaires and billionaires.

The financial industry produces thousands of products and services used by millions of people worldwide.

You are probably familiar with some of these products, such as bank accounts, investments, credit cards, and loans.

The institutions with which many people deal are frequently the result of recommendations from family and friends.

Companies also spend billions of dollars on marketing in order to attract and retain customers, raise brand awareness, and differentiate themselves.

What are Financial Affiliate Programs?

In essence, affiliate marketing for financial services is the use of various types of partners — publishers, bloggers, influencers, and so on — to promote a product, service, or company to their respective audiences.

Affiliate marketing, as a performance-based model, can be a wise investment for financial services and fintech firms.

However, this does not imply that brands should be careless with their marketing budgets or throw anything at the affiliate wall to see what sticks.

Bank affiliate programs, credit report affiliate programs, trading/investing affiliate programs, and budgeting/net worth tracking affiliate programs are the four types of financial affiliate programs.

Some products fall into more than one category. Personal Capital, for example, provides both a net worth tracking tool and investment management services.

Investing in Financial Affiliate Programs

More people than ever before are banking, borrowing, investing, and planning their finances online.

Financial service providers are willing to collaborate with online publishers, website owners, and other businesses to get their brands in front of potential customers.

According to eMarketer, 76% of financial services firms are ready to collaborate.

If you want to make money in the financial services industry without becoming a banker or accredited financial advisor, consider financial affiliate programs.

Top 7 Best Financial Affiliate Programs in 2024

If you’re looking for a high-ticket affiliate marketing niche, adding financial services to your affiliate portfolio could be a great way to supplement your income. 

1. USAA Credit Cards

The first and foremost thing you need to understand about USAA Credit Cards is that they primarily focus on a micro niche, this is financial products for active as well as retired military personnel.

USAA Credit Cards- Best Financial Affiliate Programs

Another thing that we observed is that they offer a wide variety of financial products, such as credit cards, auto insurance, home insurance, checking accounts.

In addition, they provide health insurance, mortgages, and retirement as well as investment plans.

Some of the products they provide are available through a partnership with another provider, but this still means that a military family’s financial needs can be met under one roof.

Affiliates earn $25 per lead, which is on the low end for financial services programs.

The details of the commission rate and cookie duration are mentioned below.

  • Commission rate
$25 per lead
  • Cookie duration
30 days


2. BBVA Banks

Since 1964, the BBVA brand has been in operation.

They’ve also changed their name several times over the years.

BBVA Banks- Best Financial Affiliate Programs

First Central Bank and then Compass, then from Compass to Compass Bancshares, then to Compass BBVA (Banco Bilbao Vizcaya Argentaria), and finally to BBVA.

As you’d expect from a bank, they offer checking accounts and savings accounts, personal loans and business loans, credit cards, mortgages, and a variety of investment options to their US customers.

The really interesting part is that they pay $85 for each qualified lead you send their way.

They have an EPC of $436.13.

The benefit of a program like this is that you can promote your brand in front of almost any kind of audience from bloggers to home decor websites as well as even people learning about personal finance.

The details of the commission rate and cookie duration are mentioned below.

  • Commission rate
$85 per lead
  • Cookie duration


3. Barclays US Online Savings

For literally hundreds of years, Barclays has been household names in personal aas well as business finances in the United Kingdom.

Since 1690, they’ve grown to become a banking empire with 48 million customers worldwide, including the United States.

Barclays US Online Savings

This affiliate program is centered on their online-only US savings account service, which is aimed at people who already have a bank account but want to take advantage of the interest rates offered by Barclays.

If you’ve been paying attention, you’ve probably noticed their EPC of $906.78, which is absurdly high.

We’ll preempt your question about their commission rate versus their ridiculously high EPC by saying that we can only assume the information we found on Commission Junction is incorrect.

We’re seeking clarification on this right now.

To explain an EPC of nearly $1,000, each affiliate would need to refer hundreds of loan applicants each month.

However, as the saying goes, numbers don’t lie, and affiliates for Barclays US Online Savings are clearly making a lot of money promoting their service.

The details of the commission rate and cookie duration are mentioned below.

  • Commission rate
$2 per sale
  • Cookie duration
45 days


4. Personal Capital

One of the most actively promoted financial affiliate programs is Personal Capital.

One site we looked at linked to Personal Capital more than 150 times on their website. That’s how much time and effort many finance bloggers have put into this program.

Personal Capital

It all comes down to the product (and profit): cutting-edge financial technology, free planning and tracking tools, and competitive affiliate rates.

Their paid offers are aimed at individuals with a net worth of more than $100,000, but their free tools are available to everyone.

The details of the commission rate and cookie duration are mentioned below.

  • Commission rate
$100.00 per signup with at least $100,000 in tracked assets
  • Cookie duration
30 days


5. Credit Karma

Credit Karma has low commissions when compared to other financial products, but the promotion process is much smoother because it is a free service.

You don’t have to persuade your audience to buy anything; instead, demonstrate the advantages of Credit Karma’s free credit tools.

Credit Karma- Best Financial Affiliate Programs

The cookie period for Credit Karma is 30 days, and your lead only needs to create an account for you to be paid.

In comparison to financial services, which require users to deposit or spend money in order for affiliates to receive a payout, this makes it a relatively simple process.

Furthermore, you can recommend Credit Karma alongside other similar financial affiliate products, such as credit cards or banks that provide loans.

This creates a one-of-a-kind cross-sell opportunity that maximizes profits.

The details of the commission rate and cookie duration are mentioned below.

  • Commission rate
$2.00 per new signup
  • Cookie duration
30 days


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6. Credit Sesame

Credit Sesame and Credit Karma are products that are very similar.

Credit Sesame is unique in that their free membership includes $50,000 in identity theft insurance as well as free credit reports.

Credit Sesame- Best Financial Affiliate Programs

Because both are free products with slightly different value propositions, you can promote them as complementary to one another.

While Lifelock has a higher raw commission, it’s important to remember that your audience must pay for it, which typically necessitates a longer sales funnel for affiliates.

In other words, it takes longer to convert an audience to a paid product than it does to a free one, so find the sweet spot between conversion volume and commission rates.

The details of the commission rate and cookie duration are mentioned below.

  • Commission rate
$3.00-$6.00 per signup, with the possibility to increase
  • Cookie duration
30 days


7. Fiverr

By becoming a member of the Fiverr affiliate program, you will be able to promote the world’s largest marketplace for online services.

The possibilities are limitless, ranging from logo design and writing to programming, WordPress gigs, and business services.


After promoting these services, affiliates can earn up to $150 CPA for each first-time buyer or up to $1,000 per sale with their hybrid $10 CPA/10% rev share model (service prices can reach $10,000).

They also allow affiliates to use Fiverr Gig Ads to promote individual gigs directly on their blog posts.

Overall, with over 250+ categories and over 3 million digital services to promote.

Fiverr is my top pick for the best affiliate program.

How to join an Affiliate Program?

There are primarily two types of programs: self-hosted programs and affiliate network programs.

First, self-hosted programs use affiliate software tools to run on the company’s website.

You can apply for these by searching for “Brand + Affiliate Program,” visiting their program page, and filling out an application form.

A program, on the other hand, can exist within affiliate networks, which are groups of merchants who offer their links in one secure location.

These networks allow you to join new programs in various verticals, view reporting, see your commissions, and grab affiliate links to add to your website.

There are either automatic or manual approvals with either approach. Some programs accept anyone, while others will automatically add you if you meet certain criteria.

Many programs require an Affiliate Manager to manually review your application.

What to look for in a High Paying Financial Affiliate Program?

Commission rates and average order value are the first two things to look for (AOV).

Remember that high rates multiplied by a high average order value equals more affiliate revenue.

After that, consider the cookie duration and potential earnings per click (EPC).

Here are four characteristics of the best high-paying programs to look for:

1. Commission rate

The portion of a sale funded by an advertiser to an affiliate in exchange for referring a new customer.

This figure can range from the low single digits to 50% or higher.

2. Average order value (AOV)

The average amount of money spent each time a customer completes an order.

Divide your total revenue by the number of orders to calculate AOV.

3. Earnings per click (EPC)

The commission paid to an affiliate for each click on an affiliate link to an advertiser’s website.

The true definition of EPC calculates the amount per 100 clicks, so this definition is a little misleading.

4. Cookie duration

A cookie is a value that is stored on the computer of an end user and is used to track affiliate sales.

The duration specifies how long the cookie remains on the computer after clicking an affiliate link.

With a 30-day cookie duration, for example, this means that if a user clicks on an affiliate link and purchases something within 30 days, the affiliate gets credit for the sale.

What to do after choosing a financial affiliate program?

After you’ve chosen the financial affiliate marketing programs that are best suited to your business and audience, consider how you’ll drive traffic to your site and affiliate links.

It’s critical to understand that the financial niche is extremely competitive and attracts some of the best affiliate marketers.

However, it is possible to achieve success and generate an income stream through affiliate marketing for financial services.

However, you’ll need a creative, one-of-a-kind, and compelling content marketing, advertising, and promotion strategy.

Choose a good and dependable platform for your content management campaigns to boost your affiliate earnings.

Tips for Success as a Finance Affiliate:

Do you have a lot of affiliate networks and links to manage?

Finding a niche within a niche and building credibility with your slice of the internet are the keys to success with personal finance affiliate programs.

With hundreds of money gurus spreading false information, it’s critical to stay organized and clearly showcase your expertise.

Personal financial services is a highly competitive market. You’ll be bumping into blogs that have been around for decades and are written by people who have long since become millionaires.

Mr. Money Mustache, Doctor of Credit, and The Mad Fientist are examples of well-known blogs.

Furthermore, because Google categorizes financial topics as Your Money or Your Life (YMYL) content, competing with established blogs for financial buyer intent keywords is even more difficult than usual.

Building the authority required to rank on these pages will take time.

Your best bet is to target a specific lifestyle or niche audience. This enables you to promote not only through SEO, but also through owned spaces such as your email list or social channels.

Additional Tips for Growing Affiliates:

1. Promote the products you understand and are passionate about.

Web users are quick to spot fake recommendations and want to learn from real-world experience. As a result, it’s critical to be genuine in your product reviews.

Affiliate growth is undeniable, and this year will be no exception.

Affiliate marketing is responsible for 16% of all online orders.

So, how do you stay on top of market trends and join the best upcoming high ticket affiliate programs?

2. Research more on emerging categories.

Fashion is currently the most popular affiliate marketing category, accounting for 18.7 percent of all campaigns, followed by sports and health and wellness.

Virtual reality (VR), the Internet of Things (IoT), 3D printing, wearable technology, and drones are examples of emerging affiliate markets.

Another emerging category for relationship experts or aspiring love gurus is dating affiliate marketing.

With the number of dating websites and apps on the rise and competition fiercer than ever, dating sites are turning to affiliates to promote their platforms and gain more users.

3. Focus on Mobile networks and push marketing.

Another major trend is mobile affiliate marketing and CPA networks. Push notification companies and mobile CPA affiliate networks assist affiliates in driving traffic to smartphone apps and mobile platforms.

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Conclusion: Best Financial Affiliate Programs 2024

There you have it: the top 7 personal finance affiliate programs to join right now.

People are eager to improve their finances more than ever due to the present global economic situation, so why not participate in affiliate finance programs such as commercial loan broker affiliate programs, where you can earn some extra cash?

The finance industry is lucrative, and now is the time to capitalize on it!

Jitendra Vaswani

Jitendra Vaswani is a Digital Marketing Practitioner and renowned international keynote speaker who has embraced the digital nomad lifestyle as he travels around the world. He founded two successful websites, BloggersIdeas.com & Digital Marketing Agency DigiExe of which his success stories have expanded to authoring "Inside A Hustler's Brain : In Pursuit of Financial Freedom” (20,000 copies sold worldwide) and contributing to “International Best Selling Author of Growth Hacking Book 2". Jitendra designed workshops for over 10000+ professionals in Digital marketing across continents; with intentions ultimately anchored towards creating an impactable difference by helping people build their dream business online. Jitendra Vaswani is a high-powered investor with an impressive portfolio that includes Imagestation. To learn more about his investments, Find him on Linkedin, Twitter, & Facebook.

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