Don’t be misled by the straightforward title – the car finance sector is rapidly accelerating into one of the most lucrative affiliate marketing niches available today.
The global car loan market has already reached an astounding $1.9 trillion in 2021, and projections indicate an explosive surge to $5.6 trillion by 2031. This represents a compound annual growth rate of 11.5%, signaling massive potential for those in the car finance affiliate space.
We want to empower you to capitalize on this high-growth market and maximize your earning potential. Therefore, we’ve thoroughly analyzed the landscape to present you with eight of the best Car Finance Affiliate Programs.
Car Finance Affiliate Programs
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1 myAutoloan
myAutoloan is tailored for car purchasers with “fair” or superior credit scores. This car finance platform streamlines the loan shopping process by providing up to four loan offers from a single application, significantly reducing research time for customers.
If your audience includes individuals seeking car finance options with decent credit, myAutoloan’s affiliate program, available through CJ Affiliate, could be a strategic choice. While the $5 per lead commission might initially seem modest, the impressive three-month EPC of $37.98 places myAutoloan among the top-performing car finance affiliate programs on the CJ Affiliate network in terms of earnings per click.
Furthermore, with a 45-day cookie duration, you have a substantial window to convert leads into commissions.
- URL: myAutoloan affiliate program
- Commission rate: $5 per lead
- Cookie duration: 45 days
- Products/Services sold: Car loan refinancing, new and used auto loans, lease buyouts – all under car finance umbrella
- Payment methods: Check, direct deposit, Payoneer
- Market(s): US only
2 CarsDirect
CarsDirect serves as a bridge connecting car buyers with reputable local dealerships, facilitating smoother negotiations and simplifying the process of securing favorable car finance deals.
With its extensive network of lenders and popular sister websites like InstantCarLoan.com and Autos.com, CarsDirect offers numerous avenues for affiliates to generate income within the car finance affiliate space.
By joining CarsDirect’s car loan affiliate program through Rakuten, you gain access to a 30-day cookie duration and earn a $7 fee for each qualified referral you generate.
For affiliates seeking promotional support, CarsDirect provides a dedicated affiliate manager to assist in optimizing your campaigns.
- URL: CarsDirect affiliate program
- Commission rate: $7 per referral
- Cookie duration: 30 days
- Products/Services sold: New and used car finance solutions
- Payment methods: Direct deposit, PayPal, check
- Market(s): US only
3 Caribou
Caribou is a fintech platform that positions itself as a money-saver for customers, claiming an average monthly saving of $100+ on car payments. This is a compelling selling point, particularly in today’s economy where budget consciousness is key for consumers seeking car finance.
The platform presents a modern and user-friendly website, a clear advantage over some of its more dated competitors in the car finance sector (ahem, Autos.com ahem). In a digital age where 42% of consumers are deterred by poorly designed websites, Caribou’s aesthetics contribute significantly to its appeal.
Beyond visual appeal, Caribou also boasts one of the most attractive car finance affiliate programs, featuring a 30-day cookie duration and a generous $100 commission for each funded loan application.
Furthermore, its support for deep linking and influencer partnerships simplifies conversion optimization for affiliates.
- URL: Caribou affiliate program
- Commission rate: $100 per funded loan application
- Cookie duration: 30 days
- Products/Services sold: Car loan refinancing, car insurance – integral to comprehensive car finance
- Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
- Market(s): US only
4 AUTOPAY
AUTOPAY connects individuals seeking car loans and refinancing with a network of reputable lenders, fostering a competitive environment that can drive APRs as low as 2.99%. This competitive rate is a strong draw for those looking for affordable car finance.
The company emphasizes its use of 128-bit encryption, the same security standard employed by major banks, to safeguard customer data. This focus on security is a crucial trust factor, especially considering that 67% of consumers are concerned about identity theft and fraudulent use of their personal information when dealing with car finance and related services.
Technically, AUTOPAY operates a referral program rather than a traditional car finance affiliate program. However, it offers a compelling $100 reward per successful loan fund.
The primary limitation is the requirement to manually provide AUTOPAY with referral contact details via an onsite form.
This necessitates either capturing referral details and submitting them directly or instructing referrals to share your information with AUTOPAY during their application process. While not a conventional car finance affiliate program structure, the payout remains attractive.
- URL: AUTOPAY affiliate program
- Commission rate: $100 per loan fund
- Cookie duration: Unlisted
- Products/Services sold: Auto loan refinance services, new car loans, lease buyouts – all facets of car finance
- Payment methods: Unlisted
- Market(s): US only
5 Upstart
Upstart offers a range of personal finance services, including attractive car refinance options, with customers reportedly saving an average of $1,234 annually. Prospective customers can quickly check rates and potentially access funding as soon as the next day, making it a swift solution for car finance needs.
The platform is recognized for delivering exceptional customer experience, evidenced by its “Excellent” Trustpilot rating based on over 40,000 reviews. This strong social proof is a valuable asset for affiliates, given that 89% of consumers consult reviews before making a purchase, especially for important decisions like car finance.
Join Upstart’s car loan affiliate program through the Impact network and earn 1% per funded loan, coupled with a 30-day cookie duration.
Like Caribou, Upstart supports deep linking, enabling affiliates to guide their audience directly to the most relevant pages tailored to their specific car finance requirements.
- URL: Upstart affiliate program
- Commission rate: 1% per funded loan
- Cookie duration: 30 days
- Products/Services sold: Car refinance deals within the broader car finance market
- Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
- Market(s): US only
6 Consumers Credit Union
Consumers Credit Union (CCU), as its name suggests, operates as a credit union. Functioning similarly to a bank, but prioritizing its members over shareholders, CCU typically offers more competitive loan rates and reduced-fee services, making it an attractive option for car finance.
Members can benefit from up to a 0.25% rate reduction. If your target audience includes a segment of the union’s 178,000+ members, promoting this car finance affiliate program could be particularly effective.
CCU’s car loan affiliate program is managed via the performance marketing network Perform[cb]. While commission rate details are not publicly disclosed, requiring signup for further information, a 30-day cookie duration is confirmed.
Affiliate partners also gain access to regularly updated creative assets and a dedicated affiliate management team to assist in optimizing campaign performance within the car finance niche.
- URL: Consumers Credit Union affiliate program
- Commission rate: Unlisted
- Cookie duration: 30 days
- Products/Services sold: Auto loans as part of car finance offerings
- Payment methods: ACH, PayPal, check, wire transfer
- Market(s): US only
7 1800FreshStart Auto Loan
Introducing 1800FreshStart Auto Loan, an auto loan provider specializing in assisting individuals with limited or poor credit histories in accessing car finance. Even those with prior bankruptcies can find financing options through this provider, making this program a strong fit if your audience includes individuals with lower credit ratings seeking car finance solutions.
Joining the 1800FreshStart Auto Loan affiliate program through CJ Affiliate grants access to a 45-day cookie duration and a $12 commission for each valid loan application.
Currently, the program boasts a three-month EPC of $76.95, surpassing all other car finance affiliate programs on the CJ Affiliate network. This indicates substantial earning potential within this specific car finance affiliate opportunity.
- URL: 800FreshStart affiliate program
- Commission rate: $12 per valid loan application
- Cookie duration: 45 days
- Products/Services sold: Auto loans, catering to a specific segment of the car finance market
- Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
- Market(s): US only
8 LightStream
Finally, LightStream, an online consumer lender, specializes in providing low-interest car finance packages for borrowers with good to excellent credit ratings. If your audience aligns with this demographic, LightStream presents an ideal car finance affiliate partnership.
The company reinforces its commitment to customer satisfaction with a unique guarantee: customers who are not completely satisfied with their experience can complete a survey and receive $100 in return. This satisfaction guarantee is a significant differentiator in the competitive car finance market.
LightStream also demonstrates corporate social responsibility by pledging to plant a tree for every loan funded. This resonates with the growing consumer preference for sustainable brands, as 48% of consumers express a desire for brands to actively promote sustainable change, even in sectors like car finance.
Affiliates can join LightStream’s affiliate program through the Impact network and earn $60 per funded loan. Notably, LightStream offers an extensive 105-day cookie duration, significantly longer than any other car finance affiliate program analyzed, maximizing your opportunity to earn commissions from referrals.
- URL: LightStream affiliate program
- Commission rate: $60 per funded loan
- Cookie duration: 105 days
- Products/Services sold: Auto refinance, new and used car loan deals, classic car loans – encompassing a wide range of car finance products
- Payment methods: PayPal, check, wire transfer, direct deposit, ACH transfer
- Market(s): US only
Conclusion
Each of these car finance affiliate programs presents substantial earning potential for savvy marketers.
However, achieving sustained affiliate marketing success extends beyond simply joining the right affiliate programs.
Building a consistent revenue stream requires a dependable source of traffic. Given the unpredictable nature of social media algorithms, establishing an affiliate website (or optimizing your current website) is crucial for generating consistent visitors, clicks, and conversions in the car finance affiliate space.
Unsure of where to begin? We are here to assist.
Sign up for our free training today to discover seven proven strategies for building high-performing affiliate websites – including a highly effective technique for generating valuable links without any financial investment.
We look forward to seeing you there!
