Ferratum review
Updated September 28, 2026 · AffCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ferratum suits publishers who promote loan applications rather than funded accounts, because it pays Commission per loan application and needs no approval step before earnings arrive. The catch is the window: at 30 it sits at the shorter end of lending, so slow decision cycles can cost you the lead you already won.
Key facts
- Best for
- Publishing lending content where readers start a loan application rather than open an account.
- Commission terms
- Commission per loan application (Source, checked September 26, 2026)
- Cookie window
- 30 days (Source, checked September 26, 2026)
- Networks
- FlexOffers (Source, checked September 26, 2026)
- Verticals
- Lending (Source, checked September 26, 2026)
- Pricing model
- CPL
- Official website
- multitude.com
Pros and cons
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.
Ready to try Ferratum?
Scored 8.9 / 10 by AffCue.
Who it suits
- Publishers whose readers compare short term loans and fill in an application form.
- Networks and account managers already working with FlexOffers who want a lending offer to add to a roster.
- Sites where approval takes days rather than months, so a 30 window is enough.
Who should look elsewhere
- Anyone chasing recurring income: there is no recurring element here, and Qonto pays CPA per registration plus KYB bonus.
- Publishers with long reading and comparison journeys who need the 90 windows that Mintos-style programmes can offer.
- Admitad affiliates focused on retail style volume, where 5% per sale tracks a completed purchase.
Commission and cookie
Ferratum pays Commission per loan application, and the model behind it is cpl. In practice that means the money follows a completed application form rather than a funded loan or a product the reader keeps paying for, so the trigger sits earlier in the journey and your payout does not hinge on a credit decision. The window is 30, which suits traffic that converts quickly, such as comparison pages or guides written around applying. Readers who read for a week and then apply will fall outside it. For context, 56.7% of the lending programmes tracked here use a cost per lead model and 76.7% use cost per action, with recurring models rare in this vertical at 10%. The trade-off is straightforward: an earlier, easier trigger paired with a shorter window, against longer windows elsewhere that reward readers who take their time.
Frequently asked questions
What does Ferratum pay for?+
Ferratum pays Commission per loan application and runs on a cpl basis. The payment is tied to the application rather than to the loan being approved or repaid, which makes it one of the earlier triggers in the lending category. No recurring or revenue share element is listed.
How long is the Ferratum cookie window?+
The window is 30. That suits readers who start an application in the same visit or shortly after, and it is shorter than the 90 median across lending programmes, so a slow decision cycle can push a good lead outside the window.
Which network runs the Ferratum programme?+
Ferratum runs through FlexOffers. Working through a named network means standard tracking, and the commission basis stays Commission per loan application on a cpl model regardless of how you send the traffic.
Does Ferratum pay recurring commission?+
No. The listed model is cpl and the terms are Commission per loan application, with no recurring or revenue share element attached. Recurring models are uncommon in lending anyway, sitting at 10% across the programmes tracked here.
Who is Ferratum's offer aimed at?+
The offer is built for lending, so it suits publishers writing about short term credit and readers who complete a loan application. Publishers focused on banking or investing have to look elsewhere, since 41.8% of the programmes in this vertical sit in banking.
How does Ferratum compare with Mintos?+
Ferratum pays Commission per loan application, a single application-based trigger, while Mintos runs Hybrid lead and CPA commission. That gives Mintos more ways to convert a reader, at the cost of a more complex tracking setup. Ferratum is the simpler offer to promote.
How does Ferratum compare with Qonto?+
Qonto pays CPA per registration plus KYB bonus, which adds a verification bonus on top of a registration, so a reader who signs up but stops there can still count for you. Ferratum's Commission per loan application pays only on the application, and the two offers also sit in different parts of finance.
Is Ferratum open to publishers outside lending content sites?+
The programme covers lending only, so finance sites with a broader mix may find the audience thin. A general comparison publisher can still use it alongside a per sale offer such as 5% per sale, which pays on completed purchases.
Sources
- flexoffers.com/affiliate-programs/ferratum-affiliate-program checked September 26, 2026
Backs: Networks
“Sign up with FlexOffers.com to learn more about the Ferratum affiliate program”
- influencerrate.com/affiliate-program/ferratum checked September 26, 2026
Backs: Commission terms, Cookie window, Pricing model, Verticals
“You can earn competitive commissions on every successful loan application”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Recurring commission.
Ferratum
Publishing lending content where readers start a loan application rather than open an account.