Top lending programs compared

About Top lending programs compared

Lending programmes pay for loans, and the differences a publisher feels are narrow: what a conversion is worth, how long a referral stays attached to you, and whether the offer is open to your traffic at all. This ranking covers 55 lending programmes, from referral schemes that pay a share on both sides to single market lenders offering per lead and per form fees. Lower down, single market lenders with larger per conversion values appear, and Round Sky adds revenue share with recurring commission. The main trade-off is a fat one off payment on a short window against a thinner fee that repeats, with cookie lengths in this category running across 30 to 90 days.

How we picked

Every programme in this ranking was scored on the same three things, with the weights shown as 40% for cost, 40% for offer and 20% for trust, so commission value and the size of the offer carry most of the decision. Cost looked at what a conversion pays and the cookie window behind it. Offer looked at the verticals covered, the models available, the regions served and whether commission recurs. Trust looked at payout thresholds, payout methods, payout frequency, support channels and the legal entity behind the programme. Figures come from each brand's own affiliate, programme or terms pages, from network listings such as Impact, financeAds, Sovrn Commerce, Adklick and FlexOffers, and from programme directories that record payout schedules and thresholds. Where a brand states a fact, that statement is used. Programmes we work with are listed first, then everything else, and each member note says why it sits where it does.

Our top picks

1. CL1. Comperia Lead

   Comperia Lead sits in this ranking for breadth inside a narrow map. Commission per form: CPL, CPS, CPC covers forms across CPL and CPS models, and the vertical mix spans banking, lending and insurance, so a publisher with financial traffic has more than one offer to rotate. Payouts run twice monthly on the single country market, and support comes through email and help centre. Recurring commission is not part of the deal, so each payment is tied to a fresh submission. Baufi24, the member ranked next, is the reverse: EUR 50-2500 per mortgage on a CPA model, lending only, with a 90 day window.

   • Commission models: CPL, CPS, Cpc
   • Minimum payout: PLN 50
   • Payout frequency: twice monthly

   Pros

   • Commission is paid per form across cpl, cps and cpc, so a publisher can pick a lead, a sale or a click model per offer.
   • Payouts are released twice monthly once the balance clears PLN 50, a threshold close to €43.85 across the programmes tracked here.
   • Offers sit in banking, lending and insurance, giving a finance-focused publisher a clear niche and a short campaign list to run.
   • The programme is direct, so advertiser approval and commission terms come from the same desk.
   • A named operator, Comperia.pl S.A., sets out the payout terms, which matters when a lead is disputed.

   Cons

   • Recurring commission is not offered, so a funded account or an insurance policy pays once and then stops.
   • The programme runs in a single market with PL as its base, so traffic from other countries has less to work with.
   • Support runs on email and help centre only, so a publisher chasing a rejected lead waits for an email reply.
   • The model list for approved offers is cpl and cps and the wider catalogue runs on cpl, cps and cpc, neither of which includes revenue share, unlike Admitad's cpa, cpl and cps.

2. 2. Mintos: best for top-pick

   Mintos heads this ranking on flexibility: Hybrid lead and CPA commission across CPA, CPL and hybrid models, with a cookie window of 90 days at the long end of the 30 to 90 spread. Lending sits beside investing in its verticals, so loan offers come out of the same account, and the referral angle lets publishers recruit their own audience. Support runs through email, help centre and community, and the programme is reached through Impact. Nectaro, the member ranked next, is referral only and also runs across europe, but pays 1% cashback per side instead of a mixed lead and CPA structure.

   • Commission terms: Hybrid lead and CPA commission
   • Cookie window: 90 days
   • Networks: Impact

   Pros

   • Cookie window of 90 days sits well past the 30 day median across the programmes listed here
   • Pays on Hybrid lead and CPA commission, so leads and signups both earn
   • Runs on the Impact network, a familiar route for established finance publishers
   • Covers the investing and lending verticals, so investing and lending content can share one programme
   • Backed by AS Mintos Marketplace, registered in LV

   Cons

   • A hybrid Hybrid lead and CPA commission model means approval rules sit with Mintos, so tracking is not fully under the publisher's control
   • Coverage is europe only, which limits reach next to a global programme
   • Support runs on email, help centre and community only, with no phone or live chat listed for account questions
   • Referral is the only entry in its feature set (referral), so a direct deal is not among the options to compare it with

3. 3. Leadgid

   Leadgid holds the middle of this ranking on payout mechanics: Weekly payouts, a $50 threshold and bank account, webmoney and qiwi as methods, a clearer schedule than most lenders on this list. Commission runs on 7% referral commission inside CPA, CPS and CPL models, and both direct and referral tracking are offered. Reach is global, wider than the single market programmes around it, though support runs on email only. Comperia Lead, the member ranked next, also uses CPL and CPS models but pays twice monthly and stays inside a single market.

   • Commission models: CPA
   • Publishers: 520,000
   • Minimum payout: $10

   Pros

   • Commissions run on cpa, so a qualifying lead or signup is all that has to convert, and tracking stays simple.
   • Referral is another earning route inside the same programme, paying 7% referral commission.
   • banking and lending keeps the catalogue focused, which suits a finance publisher rather than a general media buyer.
   • Reach is global, so a publisher can promote finance offers to audiences in several markets from the same account.
   • The programme is run by Admitad GmbH in DE and has operated since 2009, so a named company stands behind the payouts.

   Cons

   • Support runs on email only, so a disputed lead or a stuck payout waits on a written reply.
   • Withdrawals go to a bank account, webmoney and qiwi account, which narrows the choice for publishers paid outside those rails.
   • Only cpa appears in the model list, so a publisher chasing revenue share or recurring payments has nothing to weigh here, while Admitad lists cpa, cpl and cps.
   • $10 reads low, but the withdrawal threshold is $50, so a balance can sit below the bar longer than the headline figure suggests.

4. 4. Round Sky

   Round Sky earns its place in this ranking by keeping some income going after the loan is written. Up to $250 per lead on CPA and revenue share, with recurring commission, is a different shape from the flat CPL and CPA fees around it. Payouts run weekly or monthly and support goes through email and phone, covering both email and phone for a market in north america. Recurring payment also means fewer new applications needed for the same monthly figure. TF Bank AT, the member ranked next, keeps lending in the mix but is a single market CPA programme at 50 EUR per activated card with a 30 day window.

   • Commission models: CPA, Revshare, Cpc
   • Minimum payout: $50
   • Payout frequency: weekly or monthly

   Pros

   • High headline payouts: the listed commission is Up to $250 per lead, with revenue share at 90% available on cpa and revshare.
   • Recurring commission is on, so earnings can continue after a borrower is approved rather than stopping at the first sale.
   • Tracking suits affiliate sites that need detail: dual-level sub-ids, custom pixels and real-time reporting.
   • Payouts run weekly or monthly from a $50 threshold, and support reaches you on email and phone.

   Cons

   • Access is direct only, so a publisher wanting a network feed has fewer accounts to compare than at Admitad, where cpa, cpl and cps sit behind one contract.
   • The offer set is lending within north america, which leaves European or Asia-Pacific traffic without a matching campaign.
   • The model list stops at cpa, revshare and cpc, and the AWEmpire casual-dating tier carries PPL, PPLR and PPS that include pay-per-lead and pay-per-sale lines.

5. 6. Baufi24

   Baufi24 is in this ranking for the size of a single payout. EUR 50-2500 per mortgage under a CPA model, with a 90 day window, is the widest per conversion spread of the single market lenders here. Reach is single country, and support runs through phone and help centre, which puts a phone call and a help centre within reach for anyone whose application stalls. Recurring commission is not offered, since a mortgage pays once. Maxda, the member ranked next, uses the same 90 day window but pays a flat 20 EUR per registration on a CPL model.

   • Commission terms: EUR 50-2500 per mortgage
   • Cookie window: 90 days
   • Networks: Sovrn Commerce

   Pros

   • Commission is a clear per-deal EUR 50-2500 per mortgage, and the model is cpa only, so a publisher can forecast earnings without a revenue share to model.
   • The 90 cookie sits at the lending median, 90, which suits the slow research cycle behind a mortgage decision.
   • Support covers phone and help centre, so a stalled application can be chased by phone instead of sitting in a queue.
   • A named operator, Baufi24 Baufinanzierung GmbH, plus a Sovrn Commerce setup means a publisher deals with one identifiable company.

   Cons

   • Recurring commission is no, so there is no second payment on a mortgage that is already funded.
   • Coverage is single country, so traffic from outside that market earns nothing from this offer.
   • Support runs on phone and help centre only, which leaves tracking questions to a phone call and a help centre rather than an email thread.

6. 7. TF Bank AT

   TF Bank AT sits in this ranking because the trigger is a card rather than a loan. 50 EUR per activated card under a CPA model, with both direct and referral tracking, converts a banking action that closes faster than a mortgage. The trade-off is a shorter window than the leaders here, 30 days against the 30 to 90 spread across the category, and reach is single country. Support runs through email, phone and help centre, one of the fuller setups in this list. VEXCASH, the member ranked next, also covers lending but pays 0.40 EUR per lead, 0.40-20 EUR per sale on a longer 90 day window.

   • Commission terms: 50 EUR per activated card
   • Cookie window: 30 days
   • Networks: FinanceAds

   Pros

   • A clear, easy to price action: 50 EUR per activated card on an activated card, with the model listed as cpa.
   • The 30 day window matches the finance median of 30, so the attribution window is not the limiting factor here.
   • Both a direct and a referral route are listed in direct and referral, which lets you run paid placements and word of mouth style promotion side by side.
   • Publisher reach sits above the finance median of 5,000, so the programme is not confined to very small sites.
   • A named legal entity, Avarda Bank AB, and support across email, phone and help centre give you someone to deal with when tracking needs attention.

   Cons

   • There is no recurring commission, so a subscriber who stays for years pays the same as a sign up that lapses after the first month.
   • single country coverage means the offer pays only in a single market, and 52.5% shows how common that limit is across the category.
   • financeAds lists one network only, so there is no second route to the same offer if your approval terms change.
   • Qonto pays a CPA per registration plus a KYB bonus, a different trigger on the same kind of business banking traffic.

7. F10. Ferratum

   Ferratum closes this ranking as the plainest offer on the list: Commission per loan application on a CPL model, through the FlexOffers network, with lending as the only vertical. The window is 30 days, at the short end of the 30 to 90 spread publishers see across lending programmes, which suits traffic that decides quickly and converts soon after. It sits here on the shape of the deal rather than the vertical. The same FlexOffers relationship means a publisher already working with VEXCASH can hold both in one wallet, and next to the member above it, Ferratum is simpler: one action, one payment, one step.

   • Commission terms: Commission per loan application
   • Cookie window: 30 days
   • Networks: FlexOffers

   Pros

   • Payment is triggered by a loan application, so cpl pay does not depend on a lender approving the borrower.
   • A 30 window is enough for readers who apply within the same session or the next few days.
   • Runs through FlexOffers, a named network, so approvals and tracking sit with an established operator.
   • Focused on lending, so the offer you promote is a loan product rather than a mixed financial marketplace.

   Cons

   • A 30 window is well below the 90 median for lending programmes.
   • Per application payment means a reader who abandons the form pays nothing, unlike a per registration or per sale model.
   • Single niche in lending means the same audience cannot be monetised with a second Ferratum offer.

What to look for

Cookie length

The window decides how much of your intent you keep. In this ranking the median is 90 days and the spread runs 30 to 90 days, so check that number against how long your audience takes to compare loan offers before it applies.

What counts as a conversion

Most of these programmes pay per lead or per approved loan rather than on revenue. CPA covers 76.7% of this ranking and CPL 56.7%, so read the trigger carefully: a click, a form, an application, or a funded loan.

Recurring income

Payment that repeats is worth more than a bigger headline figure. Only 10% of this ranking pays recurring commission, so anyone relying on monthly income from a loan book is in a small group here.

Where it runs

Region decides whether the offer is usable. Single market programmes account for 71.4% of this ranking, against 16.7% for Europe wide programmes and 7.1% for global reach.

Support when an application stalls

Email is the most common route in this ranking at 61.9%, and phone support appears in 50% of programmes. A number to call matters when a borrower drops out mid application and the approval never converts.

Direct tracking or referral

Some programmes pay for your own traffic and your referrals, others only for referrals. Direct programmes make up 71.9% of this ranking, so check whether the scheme rewards the audience you built as well as the one they recruit.

Frequently asked questions

Top lending programs compared by country

• Brazil
• France
• Germany
• Italy
• Mexico
• Spain
• United Kingdom

The data behind this ranking

All data and the CSV