Updated September 28, 2026 · AffCue Editorial Team
Ferratum vs Mintos
Ferratum vs Mintos: the differences
| Compare | Ferratum ReviewSee alternativesSee alternatives |  Mintos |
|---|---|---|
| Commission terms | Commission per loan application | Hybrid lead and CPA commission |
| Cookie window | 30 days | 90 daysHigher |
| Networks | FlexOffers | Impact |
| Verticals | Lending | Investing, LendingCovers more |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at Mintos: 90 days vs 30 days.
- Networks: only Ferratum offers FlexOffers.
- Networks: only Mintos offers Impact.
- Pricing model: only Mintos offers CPA, Hybrid.
- Verticals: only Mintos offers Investing.
Our verdict on each
Ferratum
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.
Mintos
Mintos pays on a hybrid lead and CPA basis and keeps a cookie window of 90 days, one of the longer windows among the programs here. It suits European publishers covering investing and lending, though support runs on email, help centre and community only.
Availability and regulation
| Country | Ferratum | Mintos |
|---|---|---|
| Region | Not confirmed | Europe |
What each covers
| Pricing model | Ferratum | Mintos |
|---|---|---|
| CPA | No | Yes |
| CPL | Yes | Yes |
| Hybrid | No | Yes |
If neither fits
BlackBull Partners has cookie window at 365 days, against 30 days for Ferratum and 90 days for Mintos.
BlackBull Partners reviewWhere these facts come from
Ferratum
- influencerrate.com: 4 facts, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
Mintos
- mintos.com: 10 facts, checked September 26, 2026
How they place
| Ranking | Ferratum | Mintos |
|---|---|---|
| Finance affiliate programs | 96 of 425 | 13 of 425 |
| Lending programs | 10 of 55 | 2 of 55 |
Every fact side by side
| Fact | Ferratum | Mintos |
|---|---|---|
| Pricing model | CPL | CPA, CPL, HybridCovers more |
| Features | Not confirmed | Referral |
| Region | Not confirmed | Europe |
| Legal entity | Not confirmed | AS Mintos Marketplace |
| Headquarters | Not confirmed | Latvia |
| Support channels | Not confirmed | Email, Help centre, Community |
Where each stands against the rest
| Fact | Ferratum | Mintos | Median |
|---|---|---|---|
| Cookie window | 30 daysat the median | 90 dayshighest quarter | 30 days |
Median across 146 listed affiliate programs.
Pros and cons
Ferratum
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.
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.
Mintos
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
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
Who each suits
Ferratum
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.
Mintos
Who it suits
- Publishers writing about peer to peer investing and loan comparison in European markets
- Finance content teams already working with the Impact network
- Reviewers who need a long attribution window before a reader signs up
Who should look elsewhere
- Publishers chasing a revenue share, since the terms here are Hybrid lead and CPA commission rather than a share of revenue
- Anyone needing global reach, because coverage is europe
- Publishers who want phone support, since channels are email, help centre and community
Current offers
Mintos
Current offer
Bonus
Earn up to EUR 500 in bonuses: up to EUR 500
Ends on 30 September; Terms apply
Source, checked September 26, 2026
Questions about each
Ferratum
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.
Mintos
How much does the Mintos affiliate programme pay?+
Mintos pays Hybrid lead and CPA commission, listed under the model cpa, cpl and hybrid. That means a lead can earn and a converting signup can earn again. No fixed rate or minimum payout figure is given, so the per lead amount has to come from the programme.
How long is the cookie window on Mintos?+
The window is 90 days. That is longer than the 30 day median across the programmes compared here, which gives a reader more time between a first click and a funded account. It ranks at position 12 of 129 brands ranked on window length.