If you’re passionate about personal finance and love helping others manage money better, affiliate marketing can be a game-changer. By promoting tools and platforms you genuinely believe in, you not only help others but also create a reliable income stream for yourself.
But not all affiliate programs are created equal—some offer high commissions but low conversion, while others are beginner-friendly but pay less. That’s why I’ve compiled this list of 25 best personal finance affiliate programs to help you choose the right ones for your content, whether you’re a blogger, YouTuber, or influencer.
What Is Affiliate Marketing?
Affiliate marketing is a type of performance-based marketing where you earn a commission by promoting another company’s product or service. You share a unique affiliate link on your blog, website, YouTube channel, or social media. When someone clicks your link and makes a purchase or completes a specific action (like signing up or opening an account), you get paid.
It’s a win-win model: the company gains a new customer, and you earn a reward for helping them reach that customer. Affiliate marketing is popular because it doesn’t require you to create your product—just recommend tools you trust and that provide value to your audience. With consistency and the right niche, it can become a steady source of passive income.
25 Best Personal Finance Affiliate Programs
1. Empower (formerly Personal Capital)
Empower is a financial planning platform that combines budgeting tools with investment tracking. It offers a powerful dashboard for monitoring net worth, spending habits, retirement goals, and investment allocations. As an affiliate, you earn between $100 and $150 per qualified lead, which makes it one of the highest-paying programs in the finance space.
Users don’t even need to invest money to be considered a lead—just connecting their accounts is enough. This makes it much easier to convert traffic into income. The brand is highly trusted, and the UI is sleek and easy to navigate. Empower is perfect for promoting in articles about budgeting, wealth planning, and retirement readiness. It appeals to professionals, families, and financially savvy individuals.
2. Acorns
Acorns is a micro-investing platform that rounds up spare change from purchases and invests it automatically. This concept makes investing simple and accessible, especially for people who are new to financial planning. Affiliates earn $10 for every user who opens and funds an account, which can quickly add up with high-conversion content.
Acorns offers various plans that include retirement accounts, debit cards, and family options, making it versatile for promotion. It appeals especially to millennials and Gen Z who are more comfortable with apps and automation. Because of its simplicity, you can easily integrate Acorns into content about saving money, building wealth with small steps, or beginner investing tips. It’s also a great affiliate to include in listicles and app comparisons.
3. Betterment
Betterment is one of the most well-known robo-advisors in the U.S., offering automated investment portfolios designed for various goals such as retirement, major purchases, and general wealth growth. As an affiliate, you can earn between $25 and $200, depending on the type of account opened and funded. The appeal lies in Betterment’s low fees, ease of use, and sophisticated technology that helps investors make smart decisions without needing deep financial knowledge.
Their platform includes features like tax-loss harvesting, automatic rebalancing, and socially responsible investing options. It’s ideal for content creators targeting young professionals or anyone new to investing. You can promote it through in-depth reviews, comparison posts, and educational guides on passive investing. Because it’s a recognized brand in the fintech space, it tends to convert better among audiences that are hesitant to try new apps.
4. Credit Karma
Credit Karma provides free access to credit scores, reports, and monitoring tools. It’s incredibly popular and trusted, with millions of users who rely on it for financial insights. The affiliate program is typically run through networks and commissions vary, but the strength lies in how easy it is to promote. Since it’s free for users, there’s almost no friction in getting people to sign up.
This makes it ideal for content focused on credit repair, improving credit scores, or applying for loans. Credit Karma also provides personalized recommendations for credit cards and loans, increasing its value to users. It’s a great affiliate to include in financial literacy content or “how to improve your credit” guides, especially since many users see real benefits quickly. Its wide user base and instant usefulness make it perfect for high-traffic blog posts.
5. FreshBooks
FreshBooks is a cloud-based accounting software designed primarily for freelancers, solopreneurs, and small business owners. The platform offers tools for invoicing, time tracking, expenses, and reporting, making it a go-to solution for anyone managing their own business finances. Affiliates earn $5 for each trial signup and $55 for every paid subscription, which means the potential for recurring income is strong. It integrates easily with payment gateways and other business tools, which increases its usefulness.
You can promote FreshBooks through content about freelancing, budgeting for business owners, or how to keep taxes organized. It also works well in side hustle blogs or YouTube channels aimed at self-employed audiences. Because the learning curve is small, user satisfaction and conversion rates are generally high. Many users stick with the software long term, offering continued engagement and positive user feedback.
6. SoFi
SoFi has grown from a student loan refinance company into a full-service financial platform that offers investing, banking, loans, and insurance. As an affiliate, you can earn anywhere from $25 to $300, depending on the product promoted. This makes it one of the more flexible and rewarding affiliate options in personal finance. SoFi is especially popular among millennials and Gen Z for its modern branding and mobile-first services. The user experience is seamless, which helps with conversion rates.
You can include SoFi in content about refinancing debt, budgeting, financial independence, and even career growth, thanks to their additional perks like free career coaching. Because of its breadth, you can mention SoFi in several articles or videos without it feeling repetitive. Plus, it’s a trusted name with solid backing, which improves audience confidence.
7. Fiverr Learn (Finance Courses)
Fiverr Learn is an educational platform offering self-paced courses, including several that cover personal finance, budgeting, and entrepreneurship. As an affiliate, you earn a 30% commission on each course purchased, which adds up fast if you’re targeting an audience eager to grow their skills. This program is a fantastic option if your content centers on self-improvement, side hustles, or financial independence.
The courses are affordable, often under $50, which makes them accessible and easy to recommend. Users retain access to the material, so there’s long-term value. Promote Fiverr Learn through blog posts like “Top Courses to Improve Your Financial IQ” or “Best Budgeting Classes for Beginners.” It’s especially useful during the new year or back-to-school season when audiences are eager to improve themselves.
8. Swagbucks
Swagbucks is a rewards platform where users earn points (called SB) for completing tasks like watching videos, shopping online, answering surveys, and using coupons. As an affiliate, you can earn up to $25 per referral depending on the user’s activity. It’s extremely beginner-friendly and popular with individuals seeking easy, low-effort ways to earn extra money.
Swagbucks appeals to stay-at-home parents, students, and part-time workers, making it ideal for a diverse audience. Since it’s free to join and offers rewards almost immediately, conversions tend to be high. You can write articles like “10 Easy Ways to Make Extra Cash This Week” or “Best Passive Income Apps That Work” to naturally integrate your affiliate link. Because of its mass appeal, this program works well on both blogs and social media platforms.
9. M1 Finance
M1 Finance is a unique investing and banking platform that combines the automation of robo-advisors with the customization of self-directed investing. As an affiliate, you can earn $100 for every funded account you refer. What sets M1 apart is its intuitive “Pie” model, allowing users to allocate their investments across a visual portfolio. This makes it perfect for new investors who want control without complexity.
M1 also offers a checking account and loan features, allowing you to promote it as a comprehensive money management tool. It’s best suited for content creators who want to teach smart investing habits or guide readers toward long-term wealth building. You can use personal examples, comparisons, and tutorials to help potential users understand its benefits. Its sleek design and commission-free model make it easy to endorse with confidence.
10. Wealthfront
Wealthfront is a widely used robo-advisor that helps users automate their investments and reach long-term financial goals. As an affiliate, you can earn $100 for each referred user who funds an account. It’s ideal for beginners who want to invest with little to no manual management. Wealthfront offers a variety of features like tax-loss harvesting, automatic portfolio rebalancing, and goal-based investment planning.
This platform suits individuals who are planning for retirement, saving for a home, or just beginning their investment journey. If your content focuses on simple, long-term investing strategies or financial planning, Wealthfront is an excellent program to feature. With its clean interface and educational resources, you can confidently promote it to audiences looking for a passive approach to wealth building. The trusted brand name also helps boost credibility and conversions.
11. Policygenius
Policygenius is a one-stop shop for comparing insurance quotes across life, home, auto, and disability policies. As an affiliate, you can earn between $50 to $350 per sale, depending on the type of insurance product sold. What makes Policygenius stand out is its clean, simple interface and the ability to compare multiple quotes in minutes without aggressive upsells.
It’s ideal for content focused on adulting basics, protecting family income, or navigating big life changes like marriage or having kids. Readers love it because it simplifies a complex process and saves them time and money. You can write content like “Do You Need Life Insurance in Your 30s?” or “How to Save on Homeowners Insurance,” and naturally plug in your affiliate link. Its high payout potential and strong user satisfaction make it a consistent earner for bloggers and finance influencers.
12. NerdWallet
NerdWallet is a household name in the personal finance industry, known for its in-depth reviews of credit cards, loans, investing tools, and more. While the affiliate program is usually accessed through networks like CJ Affiliate, it offers competitive commissions that vary by product. The power of NerdWallet lies in its trustworthiness—millions of readers rely on its unbiased comparisons.
As a content creator, this means higher click-through rates and conversions. It’s a strong fit for blog posts like “Top 5 Credit Cards for Cashback” or “Best Student Loans in 2025.” You can position NerdWallet as a go-to research tool, especially for beginners overwhelmed by financial choices. If you want to add authority to your financial content while earning income, this affiliate program is a solid win.
13. Greenlight (Kids’ Debit Card)
Greenlight is a debit card and app designed for kids, with parental controls built in. It teaches children how to save, spend, invest, and even donate—all under their parents’ guidance. As an affiliate, you can earn $20 per paid signup, and the conversion rate is usually high because the value to families is immediate. Parents love that they can assign chores, pay allowances, and set spending rules—all in one place.
This program fits perfectly in parenting blogs, homeschooling communities, or personal finance content geared toward families. For example, posts like “How to Teach Kids About Money” or “Best Debit Cards for Teens” are excellent for promoting Greenlight. It’s not just a financial product—it’s an educational tool, which makes it both meaningful and profitable to share.
14. QuickBooks
QuickBooks by Intuit is the industry standard for accounting software used by freelancers, entrepreneurs, and small businesses. As an affiliate, you can earn up to $50 per subscription, and given the product’s popularity and essential nature, conversion rates are strong. Many self-employed individuals struggle to keep up with invoices, expenses, and taxes. QuickBooks solves all of that in one place.
If your audience includes online business owners, gig workers, or Etsy sellers, this is a fantastic product to recommend. You can create tutorials on “How to Track Your Freelance Income” or “Simple Tax Tips for Small Business Owners” and include QuickBooks naturally. The brand is trusted, and the platform is constantly evolving, which helps build long-term loyalty from your audience.
15. Digit
Digit is a smart savings app that automatically analyzes users’ income and spending patterns to determine small, safe amounts to save or invest. As an affiliate, you earn between $5–$10 per signup, but the ease of use and positive user experience often lead to strong conversions. Digit is best for people who struggle with traditional savings methods or who want to grow an emergency fund without thinking about it.
It’s ideal to include in posts like “How I Saved $1,000 Without Trying” or “Apps That Help You Save Money Automatically.” Because the savings happen in the background, users often feel pleasantly surprised by their progress. This sense of passive success makes Digit one of the easiest apps to recommend, especially to beginners or busy professionals.
16. Tally
Tally is a debt payoff automation app that helps users manage and pay off high-interest credit card balances efficiently. As an affiliate, you can earn $40 to $100 per qualified lead, depending on the user’s engagement and loan status. The app works by consolidating credit card debt into one lower-interest line of credit and then managing payments automatically. It’s a lifesaver for people drowning in credit card bills and looking for a smart, stress-free way to get out of debt.
Tally is particularly effective for younger audiences or anyone working toward financial recovery. It fits perfectly into blog content like “How I Paid Off $10K in Credit Card Debt” or “Best Apps to Help You Eliminate Debt Faster.” Because it tackles a real pain point—debt—it tends to resonate deeply with readers, leading to better click-through and conversion rates.
17. LifeLock (by Norton)
LifeLock is an identity theft protection service that monitors personal information, alerts users of suspicious activity, and helps recover stolen identities. Affiliates can earn up to $100 per sale, making it one of the higher-paying programs in the digital security space. With rising concerns around data breaches, online fraud, and identity theft, promoting a service like LifeLock is both relevant and responsible.
You can recommend it in content about cybersecurity, personal finance safety, or retirement planning. Articles like “How to Protect Your Identity in 2025” or “Is Your Online Banking Info Safe?” are great places to introduce LifeLock. It’s especially appealing to older adults, remote workers, and frequent online shoppers—anyone who wants peace of mind. The brand is widely recognized and backed by Norton, which helps increase trust and conversions.
18. Robinhood
Robinhood is a commission-free trading platform that allows users to buy and sell stocks, ETFs, options, and cryptocurrencies right from their smartphones. While the affiliate program varies depending on the network or partner platform, it often includes bonuses or flat-rate commissions per referral. Robinhood is especially popular with young, first-time investors who want a no-fuss way to start trading.
Its clean interface, no account minimums, and instant deposit features make it easy to recommend in posts like “How to Start Investing with $10” or “Best Investing Apps for Beginners.” Despite some controversy over gamification, its popularity and ease of use make it a solid affiliate option. Content that includes screenshots, tutorials, or real results tends to convert well, especially on platforms like YouTube or TikTok where short, visual content thrives.
19. Chime
Chime is an online-only bank offering fee-free checking and savings accounts, early direct deposit, and automatic savings features. As an affiliate, you can earn $20 to $30 per new account signup, and the app’s clean design and benefits make it very attractive to mobile-first users. Chime is especially popular with Gen Z, millennials, and gig workers who want flexibility and transparency without traditional banking fees.
It’s ideal for content that discusses budgeting, banking alternatives, or saving on hidden fees. Titles like “Best Free Banking Apps for 2025” or “Why I Switched from Big Banks to Chime” work well to integrate your links. The fact that it’s free to join and user-friendly means you’ll likely see high click-through and signup rates. Chime’s rapid rise in popularity gives your content credibility just by association.
20. Rakuten
Rakuten is a cashback platform that rewards users for shopping at thousands of online retailers. Affiliates can earn up to $25 per referral, and it’s incredibly easy to promote because who doesn’t love getting money back for purchases they were already planning to make? The platform works as a browser extension or app, and users earn cashback when shopping through affiliate stores like Walmart, Macy’s, and Amazon.
It’s a fantastic addition to content about saving money, smart shopping, or budgeting. Blog ideas like “How I Earned $200 Just by Shopping Online” or “Top Cashback Apps to Use This Holiday Season” are perfect for Rakuten. The barrier to entry is low (it’s free!), and rewards are fast, so your readers will see the value almost immediately, making them more likely to sign up through your link.
21. Bluehost (Finance Blogging)
Bluehost is one of the most popular web hosting providers, especially for new bloggers and small business owners. As an affiliate, you can earn $65 to $130 per signup, which is one of the most generous programs in the blogging space. While Bluehost isn’t a finance product directly, it’s incredibly relevant for personal finance creators who want to teach others how to start their own blog.
If you’ve built a money blog or YouTube channel and are monetizing it, your audience likely wants to do the same. You can write tutorials like “How to Start a Profitable Personal Finance Blog” or “Step-by-Step Guide to Making Money Online in 2025.” Bluehost is beginner-friendly, comes with a free domain, and offers 24/7 support, which makes it easy to recommend confidently. Plus, readers love seeing real success stories, so tying Bluehost into your journey adds authenticity.
22. Liberty Mutual Insurance
Liberty Mutual is a long-established provider of auto, home, renters, and life insurance. Their affiliate program offers variable commissions depending on the type of insurance sold and the affiliate platform you join through. What makes Liberty Mutual a strong candidate is its brand reputation and widespread appeal—most adults need at least one form of insurance, if not more.
It’s a perfect fit for financial literacy content focused on risk management, homeownership, or adulting 101. Example blog titles include “5 Types of Insurance You Can’t Afford to Skip” or “How to Lower Your Car Insurance Premiums.” Since insurance is a big financial decision, people appreciate guidance, and if you present Liberty Mutual alongside unbiased comparisons, it can lead to strong conversions. The trust factor is high with this brand, which helps first-time buyers feel secure in their choice.
23. TaxAct
TaxAct is a reliable and budget-friendly alternative to more expensive tax preparation software like TurboTax. As an affiliate, you can earn up to 20% commission on each sale, and users love the clean, no-nonsense interface that helps them file both personal and business taxes quickly. TaxAct offers tools for self-employed individuals, small business owners, and traditional W-2 earners, making it a well-rounded product to promote.
If you’re publishing content around tax season, titles like “Top 3 Tax Filing Tools for Freelancers” or “How to File Taxes Without Breaking the Bank” are perfect for affiliate integration. The affordability and simplicity of TaxAct mean it appeals to budget-conscious readers, a key segment of personal finance audiences. It’s especially powerful if you share personal testimonials or walk-throughs to help demystify the tax process.
24. Credible
Credible is a loan comparison platform that allows users to view personalized offers for student loans, personal loans, mortgages, and refinancing—all in one place. As an affiliate, you can earn $100 to $200 per funded loan, which offers strong income potential, especially during back-to-school, home-buying, or debt repayment seasons.
The interface is straightforward and helps users compare rates without impacting their credit score. This is a perfect fit for content about loan shopping, paying off student debt, or buying a first home. Posts like “Best Student Loan Refinance Options in 2025” or “How to Get a Lower Interest Rate on Your Mortgage” are highly effective. Because Credible partners with well-known lenders, users feel safe and informed throughout the process, which helps build trust and improve conversion rates.
25. Stash
Stash is a user-friendly investment app that offers fractional shares, automated portfolios, and financial education—all designed to help beginners build long-term wealth. As an affiliate, you can earn $5 to $20 per funded account, and its low barrier to entry makes it easy to promote. Stash allows users to start investing with as little as $5, which is appealing to readers who are intimidated by traditional investing.
It’s perfect for blog posts like “How to Start Investing with Just $5” or “Best Investing Apps for First-Time Users.” The app also includes a debit card that earns stock rewards and provides access to budgeting tools, making it a well-rounded financial tool. Its emphasis on education and simplicity makes it ideal for audiences just beginning their financial journey. With high user satisfaction and quick signups, Stash performs well in both written and video content.
5 Smart Tips to Succeed in Finance Affiliate Marketing
- Understand Your Audience’s Needs
Don’t just push offers—focus on what your readers are trying to solve. Are they dealing with student loans, credit card debt, or trying to save for a home? - Use Personal Stories
Share how you use these tools in your life. Authentic stories convert better than generic reviews. Show screenshots, savings milestones, or dashboards if possible. - Create Educational Content
Tutorials, how-to guides, and comparisons perform extremely well. Teach your audience why one app is better than another and help them choose wisely. - Add CTAs (Call-to-Actions) Thoughtfully
Embed call-to-action links within your blog posts, videos, or social content. “Click here to try Acorns free for 30 days” works better than “sign up.” - Track and Optimize
Use link shorteners or tools like Pretty Links or Bitly to monitor performance. Double down on the affiliate links that convert best and test headlines or images.
FAQs About Personal Finance Affiliate Programs
Do I need a large audience to start?
No! Even with a small email list or blog, you can start seeing results if your content is helpful and specific.
Are these programs free to join?
Yes, all affiliate programs mentioned here are free. Some require approval, so make sure your content aligns with their brand.
Can I join multiple programs at once?
Absolutely. Diversifying your affiliate offers actually boosts income potential and helps you recommend the best tools for different readers.
How are commissions paid?
Most programs pay via PayPal or direct bank transfer, and payouts are typically issued monthly or bi-weekly.
Conclusion
Promoting personal finance affiliate programs isn’t just about making money it’s about helping your readers find tools that can change their financial lives. Whether they’re learning to save, invest, reduce debt, or budget better, you can guide them while earning steady commissions in return.
Start by picking 3–5 programs that align with your content style, audience, and values. As you grow your audience and improve your content strategy, the rewards will grow with it.
Hi there. My name is Abbas Khan. I’m passionate about finding smart ways to save and make money from anywhere in the world.
Learning how to earn remotely and manage my finances gave me true freedom, and now I want to help you do the same.
Join me as I explore money-saving hacks, income ideas, and tips to build a flexible, location-independent lifestyle you’ll love.