Up to $350 per lead
CPL & CPF
Weekly payouts availablePayday & short-term loans
$100 to $2,500 for urgent expenses, with a fast online form. Our highest-volume offer.
Loan affiliate program in Canada
Earn up to $350 per lead promoting payday, personal, car and home equity loan offers to Canadians. Free to join, with CPL or CPF payouts and real-time tracking.
- Up to $350 per lead
- CPL & CPF
- Weekly payouts available
What is the NoRefusal loan affiliate program?
NoRefusal.ca is a free loan comparison service. Canadians fill in one short form and we match them with lenders in our network that are most likely to approve their profile, including people with bad credit.
As an affiliate, you send visitors to that form with your own tracking link. You get paid for every valid lead or funded loan, and you never have to handle loan applications, credit decisions or customer service.
Because one application can be matched with several lenders, and declined applicants can reapply after 7 days, more of the visitors you send turn into revenue.
The program at a glance
| Details | |
|---|---|
| Payout | Up to $350 per lead |
| Models | CPL, CPF or a mix |
| Payout schedule | Weekly, bi-weekly or monthly |
| Tracking | Real time, in our custom CRM |
| Offers | Payday, personal, car & home equity loans |
| Market | Canadian borrowers |
| Cost to join | Free |
Loan offers you can promote
One partner account, four high-demand loan verticals.
Personal installment loans
Larger amounts repaid over months. A good fit for debt consolidation and budgeting content.
Car loans
Financing for new and used vehicles, including for buyers rebuilding their credit.
Home equity & HELOC
Rates for homeowners who want to borrow against their home. Fewer leads, higher value.
How the affiliate program works
Apply & prequalify
Answer a few questions about your traffic. You’ll know right away if you prequalify.
Get your links
Sign your partner agreement and get your affiliate ID, tracking links and creatives.
Send traffic
Promote the offers on your site, ads or list. Watch leads arrive in real time.
Get paid
Receive your commissions weekly, bi-weekly or monthly, as agreed.
How you get paid: CPL vs. CPF
Choose the payout model that suits your traffic, or combine them across campaigns. Your rates, schedule and payment method are confirmed in writing before you start.
Not sure? New partners often start on CPL to get steady income while they learn which pages and audiences convert best.
Compare the two models
| CPL | CPF | |
|---|---|---|
| You’re paid for | Each valid lead | Each funded loan |
| Payout per conversion | Lower | Higher, up to $350 |
| Income | Steady and predictable | Higher, but varies |
| Best for | New sites, broad traffic | High-intent, loyal audiences |
Tracking, reporting & lead quality
Real-time tracking
- Your own affiliate ID and tracking links
- Sub-ID parameters to split results by site, campaign or ad
- Leads and conversions in our custom CRM as they happen
Lead validation
- Leads are checked for duplicates and fraud
- Invalid or fake leads aren’t paid
- The review window and dispute process are in your agreement
Payouts & invoicing
- Weekly, bi-weekly or monthly payouts
- Commissions are business income, so keep records for taxes
- GST/HST-registered partners add it to their invoices
Traffic we accept, and what we don’t
Clear rules protect borrowers, lenders and your commissions.
Welcome
Accepted traffic
- SEO and content sites: finance blogs, guides and budgeting tools.
- Comparison and review sites that present the costs honestly.
- Paid search and paid social, following each platform’s financial ads policy.
- Email and SMS to subscribers who gave consent under CASL.
- Creators and influencers who clearly disclose the partnership.
Not allowed
Forbidden traffic
- Incentivized traffic: rewards, points or cash for applying.
- Spam: unsolicited email, text messages or bought lists.
- Misleading claims such as “guaranteed approval” or “no fees”.
- Brand bidding on NoRefusal without written permission.
- Fake, recycled or co-registered leads, and cookie stuffing.
Promote loans responsibly in Canada
Lending is a regulated industry. Following these rules keeps your traffic accepted and your commissions safe.
- CASL: only email or text people who gave consent, and include an unsubscribe link. See the CRTC’s guide to CASL.
- Be accurate: never promise approval, rates or funding times. The Competition Bureau treats misleading claims as deceptive marketing.
- Disclose: tell readers when you earn a commission, as set out in Ad Standards’ disclosure guidelines.
- Show real costs: payday loans cost up to $14 per $100 borrowed under federal rules, and some provinces cap them lower.
- Quebec: ads aimed at Quebec must be in French, and payday loans are effectively unavailable there.
Example: what a campaign can earn
Illustrative numbers only. This is not a typical result or a rate offer.
| Step | Example |
|---|---|
| Visitors to your link | 5,000 a month |
| Complete the form (6%) | 300 leads |
| Pass validation (90%) | 270 valid leads |
| Your monthly earnings | 270 × your agreed CPL |
Your earnings = valid leads × your agreed rate. Better-targeted content usually means higher form completion and higher validation rates.
Why partner with NoRefusal?
Built to convert
A short, mobile-friendly form that borrowers can complete in minutes, with no credit check to compare.
More approvals
Each request is matched with the lenders most likely to accept it, and declined applicants can reapply after 7 days.
Paid on your terms
Up to $350 per lead, CPL or CPF, and payouts as often as weekly. No fees to join, ever.
Ready to start earning?
Apply in about 2 minutes and find out right away if you prequalify.
Apply to join
Loan affiliate program FAQ
What is a loan affiliate program?
A loan affiliate program pays you for referring people who are looking for credit. You promote loan offers on your website, ads, newsletter or social channels with a unique tracking link. When a visitor completes an application (CPL) or gets a funded loan (CPF), you earn a commission.
How much can I earn as a NoRefusal affiliate?
You can earn up to $350 per referred lead. Your actual rate depends on the offer (payday, personal, car or home equity), the payout model (CPL or CPF) and the quality of your traffic. Your rates are confirmed in writing in your partner agreement before you send any traffic.
What is the difference between CPL and CPF?
CPL (cost per lead) pays you for every valid, completed application, whether or not the loan is funded. CPF (cost per funded loan) pays a higher amount, but only when a lender funds the loan. CPL gives steadier income. CPF rewards high-intent traffic. We offer both, and some partners use a mix.
How often do affiliates get paid?
We offer weekly, bi-weekly and monthly payouts. Your payout schedule, payment method and any minimum payout are set in your partner agreement.
Who can join the affiliate program?
Website owners, finance bloggers, comparison and review sites, media buyers, email marketers with opted-in lists and creators can apply. Joining is free. Your traffic must come from Canada, because our lending partners only lend to Canadian residents.
Do I need a website to become a loan affiliate?
Not always. Media buyers and creators can apply with their main ad account, social channel or landing page instead. We just need to see where your traffic will come from and how you’ll present the offers.
What traffic is not allowed?
Incentivized traffic, spam or unsolicited email and text messages, misleading claims such as “guaranteed approval”, fake or recycled leads, cookie stuffing, and bidding on our brand name without written permission. Breaking these rules leads to unpaid leads and removal from the program.
How are my leads tracked?
Every partner gets a unique affiliate ID and tracking links with sub-ID parameters, so you can split results by site, campaign or ad. Leads and conversions appear in real time in our custom CRM.
Can I promote loan offers to Quebec residents?
Be careful. Quebec caps the interest rate on consumer loans at 35%, so payday loans are effectively not available there, and ads aimed at Quebec must be in French. Ask your partner manager which offers accept Quebec residents before targeting the province.
Do I need to disclose that I’m an affiliate?
Yes. Canada’s Competition Act and Ad Standards’ disclosure guidelines expect you to clearly tell readers when you earn a commission from a link. A short, visible note near the link is the safest approach.
How does the application process work?
Fill in the short prequalification form on this page. It takes about two minutes. You’ll see right away whether you’re prequalified, and our partner team reviews every application and replies by email with your agreement and tracking links.