When it comes to loan affiliate marketing,0 two models dominate — CPA (Cost Per Action) and Rev-Share. Both can be profitable, but which one maximizes your earnings? Let’s break it down.

What is a CPA Loan Affiliate Program?

With CPA(CPA vs. Rev-Share Loan Affiliate Programs), you earn a fixed commission every time a user completes an action, like submitting a loan application. Example: $80 per approved lead — fast, predictable, and ideal for paid ads.

Pros:

1. Fast payouts (weekly or bi-weekly)

2. Lower risk (you get paid even if the loan isn’t repaid

3. Easier to scale with paid traffic

Cons:

1. Strict traffic and geo restrictions

2. Lead quality rules may lead to scrubs

What is a Rev-Share Loan Affiliate Program?

Rev-Share means you get a percentage of revenue the lender earns from your referral — sometimes from interest, fees, or loan renewals.

Pros:

1. Higher lifetime earning potential ($200+ per user possible)
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2. well for finance blogs, SEO, and email lists

Cons:

1. Payouts delayed by 30–60 days

2. Dependent on lender’s ability to collect payments

Example Comparison:

1. CPA Model: 40 leads × $80 = $3,200 (fast payout)

2. Rev-Share Model: 30 users × $150 = $4,500 (paid over weeks)

Hybrid Models: Best of Both Worlds

Many lenders offer $40 upfront + 10% lifetime Rev-Share — letting you recover ad spend while earning long-term.

Final Tip:
Choose CPA for quick, predictable income.
Choose Rev-Share for higher long-term returns if you own your audience.
Or, go hybrid to balance both.

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